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$21,663
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,337
−HK$684/mo
Today · 4.125%
HK$23,021
baseline
▲ 0.50% · 4.625%
HK$24,422
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,042/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,100
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,746
−HK$656/mo
Today · 4.125%
HK$25,402
baseline
▲ 0.50% · 4.625%
HK$26,741
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,804/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,995
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,804
−HK$822/mo
Today · 4.125%
HK$27,626
baseline
▲ 0.50% · 4.625%
HK$29,306
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,252/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,920
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,695
−HK$787/mo
Today · 4.125%
HK$30,482
baseline
▲ 0.50% · 4.625%
HK$32,089
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,964/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,328
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,271
−HK$959/mo
Today · 4.125%
HK$32,230
baseline
▲ 0.50% · 4.625%
HK$34,191
+HK$1,961/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,460/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,740
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,644
−HK$918/mo
Today · 4.125%
HK$35,562
baseline
▲ 0.50% · 4.625%
HK$37,437
+HK$1,875/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,124/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,993
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,206
−HK$1,232/mo
Today · 4.125%
HK$41,438
baseline
▲ 0.50% · 4.625%
HK$43,960
+HK$2,522/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,876/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,379
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,543
−HK$1,180/mo
Today · 4.125%
HK$45,723
baseline
▲ 0.50% · 4.625%
HK$48,133
+HK$2,410/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,446/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,017 · 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).