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$21,890
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,571
−HK$692/mo
Today · 4.125%
HK$23,263
baseline
▲ 0.50% · 4.625%
HK$24,679
+HK$1,416/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,526/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,353
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$25,006
−HK$662/mo
Today · 4.125%
HK$25,668
baseline
▲ 0.50% · 4.625%
HK$27,021
+HK$1,353/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,336/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,268
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,085
−HK$831/mo
Today · 4.125%
HK$27,916
baseline
▲ 0.50% · 4.625%
HK$29,614
+HK$1,698/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,832/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,223
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,007
−HK$795/mo
Today · 4.125%
HK$30,802
baseline
▲ 0.50% · 4.625%
HK$32,426
+HK$1,624/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,604/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,646
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,600
−HK$968/mo
Today · 4.125%
HK$32,568
baseline
▲ 0.50% · 4.625%
HK$34,550
+HK$1,982/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,136/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,094
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,008
−HK$928/mo
Today · 4.125%
HK$35,936
baseline
▲ 0.50% · 4.625%
HK$37,830
+HK$1,894/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,872/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,403
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,628
−HK$1,245/mo
Today · 4.125%
HK$41,873
baseline
▲ 0.50% · 4.625%
HK$44,421
+HK$2,548/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$83,746/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,835
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,011
−HK$1,192/mo
Today · 4.125%
HK$46,203
baseline
▲ 0.50% · 4.625%
HK$48,639
+HK$2,436/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$92,406/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,994 · 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).