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$21,657
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,331
−HK$685/mo
Today · 4.125%
HK$23,016
baseline
▲ 0.50% · 4.625%
HK$24,416
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,032/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,094
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,740
−HK$655/mo
Today · 4.125%
HK$25,395
baseline
▲ 0.50% · 4.625%
HK$26,734
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,790/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,989
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,797
−HK$822/mo
Today · 4.125%
HK$27,619
baseline
▲ 0.50% · 4.625%
HK$29,299
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,238/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,912
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,688
−HK$787/mo
Today · 4.125%
HK$30,475
baseline
▲ 0.50% · 4.625%
HK$32,081
+HK$1,606/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,950/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,320
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,264
−HK$958/mo
Today · 4.125%
HK$32,222
baseline
▲ 0.50% · 4.625%
HK$34,182
+HK$1,960/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,444/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,731
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,636
−HK$918/mo
Today · 4.125%
HK$35,554
baseline
▲ 0.50% · 4.625%
HK$37,428
+HK$1,874/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,108/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,983
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,196
−HK$1,232/mo
Today · 4.125%
HK$41,428
baseline
▲ 0.50% · 4.625%
HK$43,949
+HK$2,521/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,856/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,369
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,532
−HK$1,180/mo
Today · 4.125%
HK$45,712
baseline
▲ 0.50% · 4.625%
HK$48,121
+HK$2,409/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,424/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,784 · 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).