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$1,359/mo
▼ 0.25% · 3.875%
HK$22,333
−HK$685/mo
Today · 4.125%
HK$23,018
baseline
▲ 0.50% · 4.625%
HK$24,418
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,036/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,096
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,742
−HK$656/mo
Today · 4.125%
HK$25,398
baseline
▲ 0.50% · 4.625%
HK$26,737
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,796/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,991
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,800
−HK$821/mo
Today · 4.125%
HK$27,621
baseline
▲ 0.50% · 4.625%
HK$29,302
+HK$1,681/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,242/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,915
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,691
−HK$786/mo
Today · 4.125%
HK$30,477
baseline
▲ 0.50% · 4.625%
HK$32,084
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,954/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,323
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,266
−HK$959/mo
Today · 4.125%
HK$32,225
baseline
▲ 0.50% · 4.625%
HK$34,186
+HK$1,961/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,450/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,734
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,639
−HK$918/mo
Today · 4.125%
HK$35,557
baseline
▲ 0.50% · 4.625%
HK$37,431
+HK$1,874/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,114/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,987
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,200
−HK$1,232/mo
Today · 4.125%
HK$41,432
baseline
▲ 0.50% · 4.625%
HK$43,953
+HK$2,521/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,864/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,373
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,536
−HK$1,180/mo
Today · 4.125%
HK$45,716
baseline
▲ 0.50% · 4.625%
HK$48,126
+HK$2,410/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,432/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,870 · 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).