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$21,663
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,337
−HK$685/mo
Today · 4.125%
HK$23,022
baseline
▲ 0.50% · 4.625%
HK$24,422
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,044/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,100
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,746
−HK$656/mo
Today · 4.125%
HK$25,402
baseline
▲ 0.50% · 4.625%
HK$26,741
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,804/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,996
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,804
−HK$822/mo
Today · 4.125%
HK$27,626
baseline
▲ 0.50% · 4.625%
HK$29,307
+HK$1,681/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,252/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,920
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,696
−HK$786/mo
Today · 4.125%
HK$30,482
baseline
▲ 0.50% · 4.625%
HK$32,089
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,964/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,328
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,272
−HK$958/mo
Today · 4.125%
HK$32,230
baseline
▲ 0.50% · 4.625%
HK$34,191
+HK$1,961/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,460/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,740
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,645
−HK$918/mo
Today · 4.125%
HK$35,563
baseline
▲ 0.50% · 4.625%
HK$37,437
+HK$1,874/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,126/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,993
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,206
−HK$1,233/mo
Today · 4.125%
HK$41,439
baseline
▲ 0.50% · 4.625%
HK$43,960
+HK$2,521/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,878/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,380
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,543
−HK$1,181/mo
Today · 4.125%
HK$45,724
baseline
▲ 0.50% · 4.625%
HK$48,134
+HK$2,410/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,448/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,027 · 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).