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$21,892
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,573
−HK$692/mo
Today · 4.125%
HK$23,265
baseline
▲ 0.50% · 4.625%
HK$24,681
+HK$1,416/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,530/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,355
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,008
−HK$663/mo
Today · 4.125%
HK$25,671
baseline
▲ 0.50% · 4.625%
HK$27,024
+HK$1,353/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,342/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,271
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,088
−HK$830/mo
Today · 4.125%
HK$27,918
baseline
▲ 0.50% · 4.625%
HK$29,617
+HK$1,699/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,836/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,226
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,010
−HK$795/mo
Today · 4.125%
HK$30,805
baseline
▲ 0.50% · 4.625%
HK$32,429
+HK$1,624/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,610/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,649
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,603
−HK$968/mo
Today · 4.125%
HK$32,571
baseline
▲ 0.50% · 4.625%
HK$34,553
+HK$1,982/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,142/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,097
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,012
−HK$927/mo
Today · 4.125%
HK$35,939
baseline
▲ 0.50% · 4.625%
HK$37,834
+HK$1,895/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,878/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,406
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,632
−HK$1,245/mo
Today · 4.125%
HK$41,877
baseline
▲ 0.50% · 4.625%
HK$44,426
+HK$2,549/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$83,754/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,839
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,015
−HK$1,193/mo
Today · 4.125%
HK$46,208
baseline
▲ 0.50% · 4.625%
HK$48,643
+HK$2,435/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$92,416/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,084 · 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).