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$21,677
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,352
−HK$685/mo
Today · 4.125%
HK$23,037
baseline
▲ 0.50% · 4.625%
HK$24,439
+HK$1,402/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,074/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,116
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,763
−HK$656/mo
Today · 4.125%
HK$25,419
baseline
▲ 0.50% · 4.625%
HK$26,759
+HK$1,340/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,838/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,013
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,822
−HK$822/mo
Today · 4.125%
HK$27,644
baseline
▲ 0.50% · 4.625%
HK$29,326
+HK$1,682/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,288/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,939
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,715
−HK$788/mo
Today · 4.125%
HK$30,503
baseline
▲ 0.50% · 4.625%
HK$32,111
+HK$1,608/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$61,006/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,348
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,292
−HK$960/mo
Today · 4.125%
HK$32,252
baseline
▲ 0.50% · 4.625%
HK$34,214
+HK$1,962/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,504/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,762
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,668
−HK$918/mo
Today · 4.125%
HK$35,586
baseline
▲ 0.50% · 4.625%
HK$37,462
+HK$1,876/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,172/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,019
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,233
−HK$1,233/mo
Today · 4.125%
HK$41,466
baseline
▲ 0.50% · 4.625%
HK$43,989
+HK$2,523/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,932/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,409
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,573
−HK$1,181/mo
Today · 4.125%
HK$45,754
baseline
▲ 0.50% · 4.625%
HK$48,166
+HK$2,412/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,508/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,661 · 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).