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$21,653
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,327
−HK$684/mo
Today · 4.125%
HK$23,011
baseline
▲ 0.50% · 4.625%
HK$24,411
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,022/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,089
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,735
−HK$656/mo
Today · 4.125%
HK$25,391
baseline
▲ 0.50% · 4.625%
HK$26,729
+HK$1,338/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,782/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,984
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,792
−HK$822/mo
Today · 4.125%
HK$27,614
baseline
▲ 0.50% · 4.625%
HK$29,294
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,228/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,907
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,682
−HK$787/mo
Today · 4.125%
HK$30,469
baseline
▲ 0.50% · 4.625%
HK$32,075
+HK$1,606/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,938/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,315
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,258
−HK$958/mo
Today · 4.125%
HK$32,216
baseline
▲ 0.50% · 4.625%
HK$34,176
+HK$1,960/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,432/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,725
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,629
−HK$918/mo
Today · 4.125%
HK$35,547
baseline
▲ 0.50% · 4.625%
HK$37,421
+HK$1,874/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,094/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,976
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,189
−HK$1,231/mo
Today · 4.125%
HK$41,420
baseline
▲ 0.50% · 4.625%
HK$43,941
+HK$2,521/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,840/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,361
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,524
−HK$1,179/mo
Today · 4.125%
HK$45,703
baseline
▲ 0.50% · 4.625%
HK$48,112
+HK$2,409/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,406/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,605 · 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).