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$21,893
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,574
−HK$692/mo
Today · 4.125%
HK$23,266
baseline
▲ 0.50% · 4.625%
HK$24,682
+HK$1,416/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,532/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,356
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,009
−HK$663/mo
Today · 4.125%
HK$25,672
baseline
▲ 0.50% · 4.625%
HK$27,025
+HK$1,353/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,344/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,272
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,089
−HK$830/mo
Today · 4.125%
HK$27,919
baseline
▲ 0.50% · 4.625%
HK$29,618
+HK$1,699/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,838/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,227
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,011
−HK$795/mo
Today · 4.125%
HK$30,806
baseline
▲ 0.50% · 4.625%
HK$32,430
+HK$1,624/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,612/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,650
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,604
−HK$968/mo
Today · 4.125%
HK$32,572
baseline
▲ 0.50% · 4.625%
HK$34,554
+HK$1,982/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,144/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,098
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,013
−HK$927/mo
Today · 4.125%
HK$35,940
baseline
▲ 0.50% · 4.625%
HK$37,835
+HK$1,895/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,880/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,407
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,633
−HK$1,246/mo
Today · 4.125%
HK$41,879
baseline
▲ 0.50% · 4.625%
HK$44,427
+HK$2,548/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$83,758/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,840
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,016
−HK$1,193/mo
Today · 4.125%
HK$46,209
baseline
▲ 0.50% · 4.625%
HK$48,645
+HK$2,436/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$92,418/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,114 · 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).