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$21,886
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,567
−HK$691/mo
Today · 4.125%
HK$23,258
baseline
▲ 0.50% · 4.625%
HK$24,674
+HK$1,416/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,516/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,348
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$25,001
−HK$662/mo
Today · 4.125%
HK$25,663
baseline
▲ 0.50% · 4.625%
HK$27,016
+HK$1,353/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,326/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,263
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,080
−HK$830/mo
Today · 4.125%
HK$27,910
baseline
▲ 0.50% · 4.625%
HK$29,608
+HK$1,698/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,820/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,217
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,001
−HK$795/mo
Today · 4.125%
HK$30,796
baseline
▲ 0.50% · 4.625%
HK$32,419
+HK$1,623/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,592/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,640
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,593
−HK$969/mo
Today · 4.125%
HK$32,562
baseline
▲ 0.50% · 4.625%
HK$34,543
+HK$1,981/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,124/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,087
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,001
−HK$928/mo
Today · 4.125%
HK$35,929
baseline
▲ 0.50% · 4.625%
HK$37,822
+HK$1,893/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,858/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,395
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,620
−HK$1,245/mo
Today · 4.125%
HK$41,865
baseline
▲ 0.50% · 4.625%
HK$44,412
+HK$2,547/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$83,730/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,826
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,001
−HK$1,193/mo
Today · 4.125%
HK$46,194
baseline
▲ 0.50% · 4.625%
HK$48,629
+HK$2,435/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$92,388/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,799 · 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).