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$21,901
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,582
−HK$692/mo
Today · 4.125%
HK$23,274
baseline
▲ 0.50% · 4.625%
HK$24,690
+HK$1,416/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,548/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,364
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,018
−HK$663/mo
Today · 4.125%
HK$25,681
baseline
▲ 0.50% · 4.625%
HK$27,034
+HK$1,353/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,362/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,281
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,098
−HK$831/mo
Today · 4.125%
HK$27,929
baseline
▲ 0.50% · 4.625%
HK$29,628
+HK$1,699/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,858/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,237
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,021
−HK$796/mo
Today · 4.125%
HK$30,817
baseline
▲ 0.50% · 4.625%
HK$32,441
+HK$1,624/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,634/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,661
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,615
−HK$969/mo
Today · 4.125%
HK$32,584
baseline
▲ 0.50% · 4.625%
HK$34,566
+HK$1,982/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,168/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,110
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,025
−HK$928/mo
Today · 4.125%
HK$35,953
baseline
▲ 0.50% · 4.625%
HK$37,848
+HK$1,895/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,906/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,421
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,647
−HK$1,246/mo
Today · 4.125%
HK$41,893
baseline
▲ 0.50% · 4.625%
HK$44,442
+HK$2,549/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$83,786/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,856
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,032
−HK$1,193/mo
Today · 4.125%
HK$46,225
baseline
▲ 0.50% · 4.625%
HK$48,662
+HK$2,437/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$92,450/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,445 · 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).