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$21,903
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,585
−HK$692/mo
Today · 4.125%
HK$23,277
baseline
▲ 0.50% · 4.625%
HK$24,693
+HK$1,416/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,554/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,367
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,021
−HK$663/mo
Today · 4.125%
HK$25,684
baseline
▲ 0.50% · 4.625%
HK$27,037
+HK$1,353/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,368/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,284
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,101
−HK$831/mo
Today · 4.125%
HK$27,932
baseline
▲ 0.50% · 4.625%
HK$29,632
+HK$1,700/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,864/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,241
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,025
−HK$795/mo
Today · 4.125%
HK$30,820
baseline
▲ 0.50% · 4.625%
HK$32,445
+HK$1,625/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,640/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,665
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,618
−HK$969/mo
Today · 4.125%
HK$32,587
baseline
▲ 0.50% · 4.625%
HK$34,570
+HK$1,983/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,174/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,114
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,029
−HK$928/mo
Today · 4.125%
HK$35,957
baseline
▲ 0.50% · 4.625%
HK$37,852
+HK$1,895/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,914/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,426
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,652
−HK$1,246/mo
Today · 4.125%
HK$41,898
baseline
▲ 0.50% · 4.625%
HK$44,448
+HK$2,550/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,796/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,861
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,037
−HK$1,193/mo
Today · 4.125%
HK$46,230
baseline
▲ 0.50% · 4.625%
HK$48,667
+HK$2,437/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,460/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,560 · 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).