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$21,650
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,323
−HK$685/mo
Today · 4.125%
HK$23,008
baseline
▲ 0.50% · 4.625%
HK$24,408
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,016/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,085
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,731
−HK$656/mo
Today · 4.125%
HK$25,387
baseline
▲ 0.50% · 4.625%
HK$26,725
+HK$1,338/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,774/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,980
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,788
−HK$821/mo
Today · 4.125%
HK$27,609
baseline
▲ 0.50% · 4.625%
HK$29,289
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,218/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,902
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,678
−HK$786/mo
Today · 4.125%
HK$30,464
baseline
▲ 0.50% · 4.625%
HK$32,070
+HK$1,606/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,928/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,310
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,253
−HK$958/mo
Today · 4.125%
HK$32,211
baseline
▲ 0.50% · 4.625%
HK$34,171
+HK$1,960/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,422/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,719
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,624
−HK$917/mo
Today · 4.125%
HK$35,541
baseline
▲ 0.50% · 4.625%
HK$37,415
+HK$1,874/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,082/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,970
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,182
−HK$1,232/mo
Today · 4.125%
HK$41,414
baseline
▲ 0.50% · 4.625%
HK$43,934
+HK$2,520/mo
Deposit HK$949K · loan HK$8.55M · min. income ≈ HK$82,828/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,354
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,516
−HK$1,180/mo
Today · 4.125%
HK$45,696
baseline
▲ 0.50% · 4.625%
HK$48,105
+HK$2,409/mo
Deposit HK$949K · loan HK$8.55M · min. income ≈ HK$91,392/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,451 · 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).