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$21,879
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,560
−HK$691/mo
Today · 4.125%
HK$23,251
baseline
▲ 0.50% · 4.625%
HK$24,666
+HK$1,415/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,502/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,341
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,993
−HK$663/mo
Today · 4.125%
HK$25,656
baseline
▲ 0.50% · 4.625%
HK$27,008
+HK$1,352/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,312/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,255
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,072
−HK$830/mo
Today · 4.125%
HK$27,902
baseline
▲ 0.50% · 4.625%
HK$29,599
+HK$1,697/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,804/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,209
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,992
−HK$795/mo
Today · 4.125%
HK$30,787
baseline
▲ 0.50% · 4.625%
HK$32,410
+HK$1,623/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,574/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,631
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,584
−HK$968/mo
Today · 4.125%
HK$32,552
baseline
▲ 0.50% · 4.625%
HK$34,533
+HK$1,981/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,104/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,077
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,991
−HK$927/mo
Today · 4.125%
HK$35,918
baseline
▲ 0.50% · 4.625%
HK$37,811
+HK$1,893/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,836/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,383
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,608
−HK$1,245/mo
Today · 4.125%
HK$41,853
baseline
▲ 0.50% · 4.625%
HK$44,399
+HK$2,546/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$83,706/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,813
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,988
−HK$1,192/mo
Today · 4.125%
HK$46,180
baseline
▲ 0.50% · 4.625%
HK$48,614
+HK$2,434/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$92,360/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,515 · 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).