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$21,678
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,353
−HK$685/mo
Today · 4.125%
HK$23,038
baseline
▲ 0.50% · 4.625%
HK$24,439
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,076/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,117
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,764
−HK$656/mo
Today · 4.125%
HK$25,420
baseline
▲ 0.50% · 4.625%
HK$26,760
+HK$1,340/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,840/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,014
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,823
−HK$822/mo
Today · 4.125%
HK$27,645
baseline
▲ 0.50% · 4.625%
HK$29,327
+HK$1,682/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,290/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,940
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,716
−HK$788/mo
Today · 4.125%
HK$30,504
baseline
▲ 0.50% · 4.625%
HK$32,112
+HK$1,608/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$61,008/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,350
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,294
−HK$959/mo
Today · 4.125%
HK$32,253
baseline
▲ 0.50% · 4.625%
HK$34,215
+HK$1,962/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,506/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,764
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,669
−HK$919/mo
Today · 4.125%
HK$35,588
baseline
▲ 0.50% · 4.625%
HK$37,464
+HK$1,876/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,176/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,021
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,235
−HK$1,233/mo
Today · 4.125%
HK$41,468
baseline
▲ 0.50% · 4.625%
HK$43,991
+HK$2,523/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,936/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,410
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,574
−HK$1,182/mo
Today · 4.125%
HK$45,756
baseline
▲ 0.50% · 4.625%
HK$48,167
+HK$2,411/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,512/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,693 · 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).