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$21,671
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,345
−HK$685/mo
Today · 4.125%
HK$23,030
baseline
▲ 0.50% · 4.625%
HK$24,431
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,060/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,108
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,755
−HK$656/mo
Today · 4.125%
HK$25,411
baseline
▲ 0.50% · 4.625%
HK$26,750
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,822/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,005
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,814
−HK$821/mo
Today · 4.125%
HK$27,635
baseline
▲ 0.50% · 4.625%
HK$29,317
+HK$1,682/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,270/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,930
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,706
−HK$787/mo
Today · 4.125%
HK$30,493
baseline
▲ 0.50% · 4.625%
HK$32,100
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,986/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,339
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,283
−HK$958/mo
Today · 4.125%
HK$32,241
baseline
▲ 0.50% · 4.625%
HK$34,203
+HK$1,962/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,482/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,752
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,657
−HK$918/mo
Today · 4.125%
HK$35,575
baseline
▲ 0.50% · 4.625%
HK$37,450
+HK$1,875/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,150/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,007
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,220
−HK$1,233/mo
Today · 4.125%
HK$41,453
baseline
▲ 0.50% · 4.625%
HK$43,976
+HK$2,523/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,906/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,395
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,559
−HK$1,181/mo
Today · 4.125%
HK$45,740
baseline
▲ 0.50% · 4.625%
HK$48,151
+HK$2,411/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,480/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,360 · 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).