The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$21,659
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,332
−HK$685/mo
Today · 4.125%
HK$23,017
baseline
▲ 0.50% · 4.625%
HK$24,417
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,034/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,095
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,741
−HK$656/mo
Today · 4.125%
HK$25,397
baseline
▲ 0.50% · 4.625%
HK$26,735
+HK$1,338/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,794/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,990
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,799
−HK$821/mo
Today · 4.125%
HK$27,620
baseline
▲ 0.50% · 4.625%
HK$29,301
+HK$1,681/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,240/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,914
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,689
−HK$787/mo
Today · 4.125%
HK$30,476
baseline
▲ 0.50% · 4.625%
HK$32,083
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,952/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,322
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,265
−HK$959/mo
Today · 4.125%
HK$32,224
baseline
▲ 0.50% · 4.625%
HK$34,184
+HK$1,960/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,448/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,733
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,638
−HK$918/mo
Today · 4.125%
HK$35,556
baseline
▲ 0.50% · 4.625%
HK$37,430
+HK$1,874/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,112/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,986
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,198
−HK$1,232/mo
Today · 4.125%
HK$41,430
baseline
▲ 0.50% · 4.625%
HK$43,951
+HK$2,521/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,860/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,371
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,534
−HK$1,180/mo
Today · 4.125%
HK$45,714
baseline
▲ 0.50% · 4.625%
HK$48,124
+HK$2,410/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,428/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,834 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).