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$21,900
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,582
−HK$692/mo
Today · 4.125%
HK$23,274
baseline
▲ 0.50% · 4.625%
HK$24,690
+HK$1,416/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,548/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,364
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,017
−HK$663/mo
Today · 4.125%
HK$25,680
baseline
▲ 0.50% · 4.625%
HK$27,034
+HK$1,354/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,360/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,281
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,098
−HK$831/mo
Today · 4.125%
HK$27,929
baseline
▲ 0.50% · 4.625%
HK$29,628
+HK$1,699/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,858/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,237
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,021
−HK$795/mo
Today · 4.125%
HK$30,816
baseline
▲ 0.50% · 4.625%
HK$32,441
+HK$1,625/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,632/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,661
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,614
−HK$969/mo
Today · 4.125%
HK$32,583
baseline
▲ 0.50% · 4.625%
HK$34,566
+HK$1,983/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,166/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,110
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,024
−HK$928/mo
Today · 4.125%
HK$35,952
baseline
▲ 0.50% · 4.625%
HK$37,848
+HK$1,896/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,904/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,421
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,647
−HK$1,246/mo
Today · 4.125%
HK$41,893
baseline
▲ 0.50% · 4.625%
HK$44,442
+HK$2,549/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$83,786/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,855
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,031
−HK$1,194/mo
Today · 4.125%
HK$46,225
baseline
▲ 0.50% · 4.625%
HK$48,661
+HK$2,436/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$92,450/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,439 · 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).