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$21,678
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,352
−HK$685/mo
Today · 4.125%
HK$23,037
baseline
▲ 0.50% · 4.625%
HK$24,439
+HK$1,402/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,074/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,116
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,763
−HK$656/mo
Today · 4.125%
HK$25,419
baseline
▲ 0.50% · 4.625%
HK$26,759
+HK$1,340/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,838/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,013
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,823
−HK$822/mo
Today · 4.125%
HK$27,645
baseline
▲ 0.50% · 4.625%
HK$29,327
+HK$1,682/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,290/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,940
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,716
−HK$787/mo
Today · 4.125%
HK$30,503
baseline
▲ 0.50% · 4.625%
HK$32,111
+HK$1,608/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$61,006/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,349
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,293
−HK$959/mo
Today · 4.125%
HK$32,252
baseline
▲ 0.50% · 4.625%
HK$34,215
+HK$1,963/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,504/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,763
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,668
−HK$919/mo
Today · 4.125%
HK$35,587
baseline
▲ 0.50% · 4.625%
HK$37,463
+HK$1,876/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,174/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,020
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,234
−HK$1,233/mo
Today · 4.125%
HK$41,467
baseline
▲ 0.50% · 4.625%
HK$43,990
+HK$2,523/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,934/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,410
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,574
−HK$1,181/mo
Today · 4.125%
HK$45,755
baseline
▲ 0.50% · 4.625%
HK$48,167
+HK$2,412/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,510/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,678 · 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).