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$21,876
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,557
−HK$691/mo
Today · 4.125%
HK$23,248
baseline
▲ 0.50% · 4.625%
HK$24,663
+HK$1,415/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,496/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,337
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,990
−HK$662/mo
Today · 4.125%
HK$25,652
baseline
▲ 0.50% · 4.625%
HK$27,004
+HK$1,352/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,304/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,252
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,068
−HK$830/mo
Today · 4.125%
HK$27,898
baseline
▲ 0.50% · 4.625%
HK$29,595
+HK$1,697/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,796/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,205
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,988
−HK$794/mo
Today · 4.125%
HK$30,782
baseline
▲ 0.50% · 4.625%
HK$32,405
+HK$1,623/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,564/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,627
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,579
−HK$968/mo
Today · 4.125%
HK$32,547
baseline
▲ 0.50% · 4.625%
HK$34,528
+HK$1,981/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,094/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,072
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,986
−HK$927/mo
Today · 4.125%
HK$35,913
baseline
▲ 0.50% · 4.625%
HK$37,806
+HK$1,893/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,826/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,377
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,602
−HK$1,245/mo
Today · 4.125%
HK$41,847
baseline
▲ 0.50% · 4.625%
HK$44,393
+HK$2,546/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,694/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,807
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,982
−HK$1,192/mo
Today · 4.125%
HK$46,174
baseline
▲ 0.50% · 4.625%
HK$48,607
+HK$2,433/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,348/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,378 · 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).