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$21,660
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,334
−HK$685/mo
Today · 4.125%
HK$23,019
baseline
▲ 0.50% · 4.625%
HK$24,419
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,038/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,097
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,743
−HK$656/mo
Today · 4.125%
HK$25,399
baseline
▲ 0.50% · 4.625%
HK$26,738
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,798/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,992
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,801
−HK$821/mo
Today · 4.125%
HK$27,622
baseline
▲ 0.50% · 4.625%
HK$29,303
+HK$1,681/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,244/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,916
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,692
−HK$787/mo
Today · 4.125%
HK$30,479
baseline
▲ 0.50% · 4.625%
HK$32,085
+HK$1,606/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,958/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,325
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,268
−HK$958/mo
Today · 4.125%
HK$32,226
baseline
▲ 0.50% · 4.625%
HK$34,187
+HK$1,961/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,452/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,736
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,641
−HK$917/mo
Today · 4.125%
HK$35,558
baseline
▲ 0.50% · 4.625%
HK$37,433
+HK$1,875/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,116/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,989
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,201
−HK$1,233/mo
Today · 4.125%
HK$41,434
baseline
▲ 0.50% · 4.625%
HK$43,955
+HK$2,521/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,868/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,375
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,538
−HK$1,180/mo
Today · 4.125%
HK$45,718
baseline
▲ 0.50% · 4.625%
HK$48,128
+HK$2,410/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,436/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,910 · 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).