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$21,885
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,565
−HK$692/mo
Today · 4.125%
HK$23,257
baseline
▲ 0.50% · 4.625%
HK$24,672
+HK$1,415/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,514/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,346
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$24,999
−HK$663/mo
Today · 4.125%
HK$25,662
baseline
▲ 0.50% · 4.625%
HK$27,015
+HK$1,353/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,324/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,262
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,078
−HK$830/mo
Today · 4.125%
HK$27,908
baseline
▲ 0.50% · 4.625%
HK$29,607
+HK$1,699/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,816/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,216
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,999
−HK$795/mo
Today · 4.125%
HK$30,794
baseline
▲ 0.50% · 4.625%
HK$32,417
+HK$1,623/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,588/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,639
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,592
−HK$968/mo
Today · 4.125%
HK$32,560
baseline
▲ 0.50% · 4.625%
HK$34,541
+HK$1,981/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,120/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,085
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$34,999
−HK$928/mo
Today · 4.125%
HK$35,927
baseline
▲ 0.50% · 4.625%
HK$37,820
+HK$1,893/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,854/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,392
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,618
−HK$1,245/mo
Today · 4.125%
HK$41,863
baseline
▲ 0.50% · 4.625%
HK$44,410
+HK$2,547/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$83,726/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,824
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,999
−HK$1,192/mo
Today · 4.125%
HK$46,191
baseline
▲ 0.50% · 4.625%
HK$48,626
+HK$2,435/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$92,382/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,746 · 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).