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$21,907
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,588
−HK$693/mo
Today · 4.125%
HK$23,281
baseline
▲ 0.50% · 4.625%
HK$24,697
+HK$1,416/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,562/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,371
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,025
−HK$663/mo
Today · 4.125%
HK$25,688
baseline
▲ 0.50% · 4.625%
HK$27,042
+HK$1,354/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,376/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,288
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,106
−HK$831/mo
Today · 4.125%
HK$27,937
baseline
▲ 0.50% · 4.625%
HK$29,637
+HK$1,700/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,874/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,245
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,030
−HK$795/mo
Today · 4.125%
HK$30,825
baseline
▲ 0.50% · 4.625%
HK$32,450
+HK$1,625/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,650/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,670
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,624
−HK$969/mo
Today · 4.125%
HK$32,593
baseline
▲ 0.50% · 4.625%
HK$34,576
+HK$1,983/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,186/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,120
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,035
−HK$928/mo
Today · 4.125%
HK$35,963
baseline
▲ 0.50% · 4.625%
HK$37,859
+HK$1,896/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,926/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,432
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,659
−HK$1,246/mo
Today · 4.125%
HK$41,905
baseline
▲ 0.50% · 4.625%
HK$44,455
+HK$2,550/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,810/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,868
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,045
−HK$1,193/mo
Today · 4.125%
HK$46,238
baseline
▲ 0.50% · 4.625%
HK$48,675
+HK$2,437/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,476/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,720 · 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).