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$21,642
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,315
−HK$684/mo
Today · 4.125%
HK$22,999
baseline
▲ 0.50% · 4.625%
HK$24,399
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$45,998/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$319,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,077
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,722
−HK$656/mo
Today · 4.125%
HK$25,378
baseline
▲ 0.50% · 4.625%
HK$26,715
+HK$1,337/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,756/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$319,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,971
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,779
−HK$820/mo
Today · 4.125%
HK$27,599
baseline
▲ 0.50% · 4.625%
HK$29,279
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$55,198/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,892
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,667
−HK$786/mo
Today · 4.125%
HK$30,453
baseline
▲ 0.50% · 4.625%
HK$32,058
+HK$1,605/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$60,906/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,299
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,242
−HK$957/mo
Today · 4.125%
HK$32,199
baseline
▲ 0.50% · 4.625%
HK$34,158
+HK$1,959/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,398/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,707
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,611
−HK$918/mo
Today · 4.125%
HK$35,529
baseline
▲ 0.50% · 4.625%
HK$37,401
+HK$1,872/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,058/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,956
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,168
−HK$1,231/mo
Today · 4.125%
HK$41,399
baseline
▲ 0.50% · 4.625%
HK$43,918
+HK$2,519/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,798/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,338
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,500
−HK$1,180/mo
Today · 4.125%
HK$45,680
baseline
▲ 0.50% · 4.625%
HK$48,087
+HK$2,407/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,360/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,115 · 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).