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$21,680
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,354
−HK$685/mo
Today · 4.125%
HK$23,039
baseline
▲ 0.50% · 4.625%
HK$24,441
+HK$1,402/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,078/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,118
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,765
−HK$657/mo
Today · 4.125%
HK$25,422
baseline
▲ 0.50% · 4.625%
HK$26,762
+HK$1,340/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,844/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,016
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,825
−HK$822/mo
Today · 4.125%
HK$27,647
baseline
▲ 0.50% · 4.625%
HK$29,329
+HK$1,682/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,294/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,942
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,718
−HK$788/mo
Today · 4.125%
HK$30,506
baseline
▲ 0.50% · 4.625%
HK$32,114
+HK$1,608/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$61,012/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,352
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,296
−HK$959/mo
Today · 4.125%
HK$32,255
baseline
▲ 0.50% · 4.625%
HK$34,218
+HK$1,963/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,510/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,766
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,671
−HK$919/mo
Today · 4.125%
HK$35,590
baseline
▲ 0.50% · 4.625%
HK$37,466
+HK$1,876/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,180/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,024
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,237
−HK$1,234/mo
Today · 4.125%
HK$41,471
baseline
▲ 0.50% · 4.625%
HK$43,994
+HK$2,523/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,942/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,413
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,578
−HK$1,181/mo
Today · 4.125%
HK$45,759
baseline
▲ 0.50% · 4.625%
HK$48,171
+HK$2,412/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,518/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,760 · 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).