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$21,669
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,343
−HK$685/mo
Today · 4.125%
HK$23,028
baseline
▲ 0.50% · 4.625%
HK$24,429
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,056/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,107
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,753
−HK$656/mo
Today · 4.125%
HK$25,409
baseline
▲ 0.50% · 4.625%
HK$26,749
+HK$1,340/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,818/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,003
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,812
−HK$822/mo
Today · 4.125%
HK$27,634
baseline
▲ 0.50% · 4.625%
HK$29,315
+HK$1,681/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,268/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,928
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,704
−HK$787/mo
Today · 4.125%
HK$30,491
baseline
▲ 0.50% · 4.625%
HK$32,098
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,982/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,337
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,281
−HK$958/mo
Today · 4.125%
HK$32,239
baseline
▲ 0.50% · 4.625%
HK$34,201
+HK$1,962/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,478/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,750
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,655
−HK$918/mo
Today · 4.125%
HK$35,573
baseline
▲ 0.50% · 4.625%
HK$37,448
+HK$1,875/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,146/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,005
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,218
−HK$1,233/mo
Today · 4.125%
HK$41,451
baseline
▲ 0.50% · 4.625%
HK$43,973
+HK$2,522/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,902/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,392
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,556
−HK$1,181/mo
Today · 4.125%
HK$45,737
baseline
▲ 0.50% · 4.625%
HK$48,148
+HK$2,411/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,474/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,301 · 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).