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$21,891
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,572
−HK$692/mo
Today · 4.125%
HK$23,264
baseline
▲ 0.50% · 4.625%
HK$24,680
+HK$1,416/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,528/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,354
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,007
−HK$663/mo
Today · 4.125%
HK$25,670
baseline
▲ 0.50% · 4.625%
HK$27,023
+HK$1,353/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,340/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,269
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,087
−HK$830/mo
Today · 4.125%
HK$27,917
baseline
▲ 0.50% · 4.625%
HK$29,615
+HK$1,698/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,834/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,225
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$30,008
−HK$795/mo
Today · 4.125%
HK$30,803
baseline
▲ 0.50% · 4.625%
HK$32,427
+HK$1,624/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,606/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,648
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,601
−HK$969/mo
Today · 4.125%
HK$32,570
baseline
▲ 0.50% · 4.625%
HK$34,551
+HK$1,981/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,140/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,095
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,010
−HK$927/mo
Today · 4.125%
HK$35,937
baseline
▲ 0.50% · 4.625%
HK$37,832
+HK$1,895/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,874/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,404
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,630
−HK$1,245/mo
Today · 4.125%
HK$41,875
baseline
▲ 0.50% · 4.625%
HK$44,423
+HK$2,548/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$83,750/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,837
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,012
−HK$1,193/mo
Today · 4.125%
HK$46,205
baseline
▲ 0.50% · 4.625%
HK$48,641
+HK$2,436/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$92,410/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,034 · 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).