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$1,358/mo
▼ 0.25% · 3.875%
HK$22,334
−HK$684/mo
Today · 4.125%
HK$23,018
baseline
▲ 0.50% · 4.625%
HK$24,419
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,036/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,096
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,743
−HK$655/mo
Today · 4.125%
HK$25,398
baseline
▲ 0.50% · 4.625%
HK$26,737
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,796/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,992
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,800
−HK$822/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$319,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,916
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,691
−HK$787/mo
Today · 4.125%
HK$30,478
baseline
▲ 0.50% · 4.625%
HK$32,084
+HK$1,606/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,956/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,324
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,267
−HK$958/mo
Today · 4.125%
HK$32,225
baseline
▲ 0.50% · 4.625%
HK$34,186
+HK$1,961/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,450/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,735
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,640
−HK$918/mo
Today · 4.125%
HK$35,558
baseline
▲ 0.50% · 4.625%
HK$37,432
+HK$1,874/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$319,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,988
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,201
−HK$1,232/mo
Today · 4.125%
HK$41,433
baseline
▲ 0.50% · 4.625%
HK$43,954
+HK$2,521/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,866/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,374
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,537
−HK$1,180/mo
Today · 4.125%
HK$45,717
baseline
▲ 0.50% · 4.625%
HK$48,127
+HK$2,410/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,434/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,889 · 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).