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$21,909
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,590
−HK$693/mo
Today · 4.125%
HK$23,283
baseline
▲ 0.50% · 4.625%
HK$24,699
+HK$1,416/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,566/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,373
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,027
−HK$663/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$330,798 · 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$330,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,248
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,032
−HK$796/mo
Today · 4.125%
HK$30,828
baseline
▲ 0.50% · 4.625%
HK$32,453
+HK$1,625/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$330,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,672
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,626
−HK$970/mo
Today · 4.125%
HK$32,596
baseline
▲ 0.50% · 4.625%
HK$34,579
+HK$1,983/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,192/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,122
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,038
−HK$928/mo
Today · 4.125%
HK$35,966
baseline
▲ 0.50% · 4.625%
HK$37,862
+HK$1,896/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,932/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,436
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,662
−HK$1,247/mo
Today · 4.125%
HK$41,909
baseline
▲ 0.50% · 4.625%
HK$44,459
+HK$2,550/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,818/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,872
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,048
−HK$1,194/mo
Today · 4.125%
HK$46,242
baseline
▲ 0.50% · 4.625%
HK$48,679
+HK$2,437/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,484/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,798 · 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).