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$21,646
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,319
−HK$684/mo
Today · 4.125%
HK$23,003
baseline
▲ 0.50% · 4.625%
HK$24,403
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,006/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,081
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,727
−HK$655/mo
Today · 4.125%
HK$25,382
baseline
▲ 0.50% · 4.625%
HK$26,720
+HK$1,338/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,764/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,975
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,783
−HK$821/mo
Today · 4.125%
HK$27,604
baseline
▲ 0.50% · 4.625%
HK$29,284
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,208/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,897
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,672
−HK$786/mo
Today · 4.125%
HK$30,458
baseline
▲ 0.50% · 4.625%
HK$32,064
+HK$1,606/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,916/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,304
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,247
−HK$958/mo
Today · 4.125%
HK$32,205
baseline
▲ 0.50% · 4.625%
HK$34,164
+HK$1,959/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,410/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,713
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,618
−HK$917/mo
Today · 4.125%
HK$35,535
baseline
▲ 0.50% · 4.625%
HK$37,408
+HK$1,873/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,070/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,963
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,175
−HK$1,231/mo
Today · 4.125%
HK$41,406
baseline
▲ 0.50% · 4.625%
HK$43,926
+HK$2,520/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,812/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,346
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,508
−HK$1,180/mo
Today · 4.125%
HK$45,688
baseline
▲ 0.50% · 4.625%
HK$48,096
+HK$2,408/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,376/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,279 · 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).