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$21,908
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,590
−HK$692/mo
Today · 4.125%
HK$23,282
baseline
▲ 0.50% · 4.625%
HK$24,699
+HK$1,417/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,564/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,373
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,026
−HK$664/mo
Today · 4.125%
HK$25,690
baseline
▲ 0.50% · 4.625%
HK$27,044
+HK$1,354/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,380/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,290
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,108
−HK$831/mo
Today · 4.125%
HK$27,939
baseline
▲ 0.50% · 4.625%
HK$29,639
+HK$1,700/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,878/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,247
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,032
−HK$796/mo
Today · 4.125%
HK$30,828
baseline
▲ 0.50% · 4.625%
HK$32,452
+HK$1,624/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,656/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,672
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,626
−HK$969/mo
Today · 4.125%
HK$32,595
baseline
▲ 0.50% · 4.625%
HK$34,578
+HK$1,983/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,190/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,122
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,037
−HK$928/mo
Today · 4.125%
HK$35,965
baseline
▲ 0.50% · 4.625%
HK$37,861
+HK$1,896/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,930/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,435
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,662
−HK$1,246/mo
Today · 4.125%
HK$41,908
baseline
▲ 0.50% · 4.625%
HK$44,458
+HK$2,550/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,816/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,871
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,048
−HK$1,193/mo
Today · 4.125%
HK$46,241
baseline
▲ 0.50% · 4.625%
HK$48,679
+HK$2,438/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,482/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,784 · 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).