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$21,640
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,313
−HK$684/mo
Today · 4.125%
HK$22,997
baseline
▲ 0.50% · 4.625%
HK$24,396
+HK$1,399/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$45,994/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$319,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,074
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,720
−HK$655/mo
Today · 4.125%
HK$25,375
baseline
▲ 0.50% · 4.625%
HK$26,713
+HK$1,338/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,750/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$319,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,968
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,776
−HK$821/mo
Today · 4.125%
HK$27,597
baseline
▲ 0.50% · 4.625%
HK$29,276
+HK$1,679/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$55,194/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,889
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,664
−HK$786/mo
Today · 4.125%
HK$30,450
baseline
▲ 0.50% · 4.625%
HK$32,055
+HK$1,605/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$60,900/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,296
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,238
−HK$958/mo
Today · 4.125%
HK$32,196
baseline
▲ 0.50% · 4.625%
HK$34,155
+HK$1,959/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,392/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,704
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,608
−HK$917/mo
Today · 4.125%
HK$35,525
baseline
▲ 0.50% · 4.625%
HK$37,398
+HK$1,873/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,050/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,952
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,164
−HK$1,231/mo
Today · 4.125%
HK$41,395
baseline
▲ 0.50% · 4.625%
HK$43,914
+HK$2,519/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,790/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,334
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,496
−HK$1,179/mo
Today · 4.125%
HK$45,675
baseline
▲ 0.50% · 4.625%
HK$48,083
+HK$2,408/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,350/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,019 · 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).