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$21,879
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,559
−HK$692/mo
Today · 4.125%
HK$23,251
baseline
▲ 0.50% · 4.625%
HK$24,665
+HK$1,414/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,502/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,340
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,992
−HK$663/mo
Today · 4.125%
HK$25,655
baseline
▲ 0.50% · 4.625%
HK$27,007
+HK$1,352/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,310/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,254
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,071
−HK$830/mo
Today · 4.125%
HK$27,901
baseline
▲ 0.50% · 4.625%
HK$29,598
+HK$1,697/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,802/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,208
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,991
−HK$795/mo
Today · 4.125%
HK$30,786
baseline
▲ 0.50% · 4.625%
HK$32,408
+HK$1,622/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,572/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,630
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,583
−HK$968/mo
Today · 4.125%
HK$32,551
baseline
▲ 0.50% · 4.625%
HK$34,531
+HK$1,980/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,102/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,076
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,989
−HK$928/mo
Today · 4.125%
HK$35,917
baseline
▲ 0.50% · 4.625%
HK$37,810
+HK$1,893/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,834/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,381
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,606
−HK$1,245/mo
Today · 4.125%
HK$41,851
baseline
▲ 0.50% · 4.625%
HK$44,398
+HK$2,547/mo
Deposit HK$959K · loan HK$8.64M · min. income ≈ HK$83,702/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,811
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,986
−HK$1,192/mo
Today · 4.125%
HK$46,178
baseline
▲ 0.50% · 4.625%
HK$48,613
+HK$2,435/mo
Deposit HK$959K · loan HK$8.64M · min. income ≈ HK$92,356/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,479 · 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).