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$21,672
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,346
−HK$685/mo
Today · 4.125%
HK$23,031
baseline
▲ 0.50% · 4.625%
HK$24,432
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,062/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,110
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,757
−HK$656/mo
Today · 4.125%
HK$25,413
baseline
▲ 0.50% · 4.625%
HK$26,752
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,826/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,006
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,815
−HK$822/mo
Today · 4.125%
HK$27,637
baseline
▲ 0.50% · 4.625%
HK$29,319
+HK$1,682/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,274/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,932
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,708
−HK$787/mo
Today · 4.125%
HK$30,495
baseline
▲ 0.50% · 4.625%
HK$32,102
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,990/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,341
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,285
−HK$959/mo
Today · 4.125%
HK$32,244
baseline
▲ 0.50% · 4.625%
HK$34,205
+HK$1,961/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,488/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,754
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,659
−HK$919/mo
Today · 4.125%
HK$35,578
baseline
▲ 0.50% · 4.625%
HK$37,453
+HK$1,875/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,156/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,010
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,223
−HK$1,233/mo
Today · 4.125%
HK$41,456
baseline
▲ 0.50% · 4.625%
HK$43,978
+HK$2,522/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,912/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,398
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,562
−HK$1,181/mo
Today · 4.125%
HK$45,743
baseline
▲ 0.50% · 4.625%
HK$48,154
+HK$2,411/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,486/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,422 · 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).