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$21,643
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,316
−HK$684/mo
Today · 4.125%
HK$23,000
baseline
▲ 0.50% · 4.625%
HK$24,400
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,000/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$319,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,078
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,724
−HK$655/mo
Today · 4.125%
HK$25,379
baseline
▲ 0.50% · 4.625%
HK$26,716
+HK$1,337/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,758/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$319,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,972
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,780
−HK$820/mo
Today · 4.125%
HK$27,600
baseline
▲ 0.50% · 4.625%
HK$29,280
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$55,200/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,893
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,668
−HK$786/mo
Today · 4.125%
HK$30,454
baseline
▲ 0.50% · 4.625%
HK$32,060
+HK$1,606/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$60,908/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,300
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,243
−HK$958/mo
Today · 4.125%
HK$32,201
baseline
▲ 0.50% · 4.625%
HK$34,160
+HK$1,959/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,402/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,709
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,613
−HK$917/mo
Today · 4.125%
HK$35,530
baseline
▲ 0.50% · 4.625%
HK$37,403
+HK$1,873/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,060/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,958
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,169
−HK$1,232/mo
Today · 4.125%
HK$41,401
baseline
▲ 0.50% · 4.625%
HK$43,920
+HK$2,519/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,802/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,340
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,502
−HK$1,180/mo
Today · 4.125%
HK$45,682
baseline
▲ 0.50% · 4.625%
HK$48,090
+HK$2,408/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,364/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,155 · 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).