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$22,326
−HK$685/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$319,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,088
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,735
−HK$655/mo
Today · 4.125%
HK$25,390
baseline
▲ 0.50% · 4.625%
HK$26,728
+HK$1,338/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,780/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,983
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,792
−HK$821/mo
Today · 4.125%
HK$27,613
baseline
▲ 0.50% · 4.625%
HK$29,293
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,226/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,906
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,681
−HK$787/mo
Today · 4.125%
HK$30,468
baseline
▲ 0.50% · 4.625%
HK$32,074
+HK$1,606/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,936/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,314
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,257
−HK$958/mo
Today · 4.125%
HK$32,215
baseline
▲ 0.50% · 4.625%
HK$34,175
+HK$1,960/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,430/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,724
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,628
−HK$918/mo
Today · 4.125%
HK$35,546
baseline
▲ 0.50% · 4.625%
HK$37,420
+HK$1,874/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,092/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,975
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,187
−HK$1,232/mo
Today · 4.125%
HK$41,419
baseline
▲ 0.50% · 4.625%
HK$43,939
+HK$2,520/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,838/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,359
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,522
−HK$1,180/mo
Today · 4.125%
HK$45,702
baseline
▲ 0.50% · 4.625%
HK$48,111
+HK$2,409/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,404/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,577 · 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).