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$21,676
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,350
−HK$685/mo
Today · 4.125%
HK$23,035
baseline
▲ 0.50% · 4.625%
HK$24,437
+HK$1,402/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,070/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,114
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,761
−HK$656/mo
Today · 4.125%
HK$25,417
baseline
▲ 0.50% · 4.625%
HK$26,757
+HK$1,340/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,834/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,011
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,820
−HK$822/mo
Today · 4.125%
HK$27,642
baseline
▲ 0.50% · 4.625%
HK$29,324
+HK$1,682/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,284/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,937
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,713
−HK$788/mo
Today · 4.125%
HK$30,501
baseline
▲ 0.50% · 4.625%
HK$32,108
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$61,002/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,347
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,290
−HK$960/mo
Today · 4.125%
HK$32,250
baseline
▲ 0.50% · 4.625%
HK$34,212
+HK$1,962/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,500/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,760
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,666
−HK$918/mo
Today · 4.125%
HK$35,584
baseline
▲ 0.50% · 4.625%
HK$37,460
+HK$1,876/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,168/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,017
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,231
−HK$1,233/mo
Today · 4.125%
HK$41,464
baseline
▲ 0.50% · 4.625%
HK$43,987
+HK$2,523/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,928/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,406
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,570
−HK$1,181/mo
Today · 4.125%
HK$45,751
baseline
▲ 0.50% · 4.625%
HK$48,163
+HK$2,412/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,502/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,600 · 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).