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$21,872
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,552
−HK$692/mo
Today · 4.125%
HK$23,244
baseline
▲ 0.50% · 4.625%
HK$24,658
+HK$1,414/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,488/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,332
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,985
−HK$662/mo
Today · 4.125%
HK$25,647
baseline
▲ 0.50% · 4.625%
HK$26,999
+HK$1,352/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,294/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,246
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,063
−HK$829/mo
Today · 4.125%
HK$27,892
baseline
▲ 0.50% · 4.625%
HK$29,589
+HK$1,697/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,784/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,199
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,982
−HK$794/mo
Today · 4.125%
HK$30,776
baseline
▲ 0.50% · 4.625%
HK$32,399
+HK$1,623/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,552/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,621
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,573
−HK$968/mo
Today · 4.125%
HK$32,541
baseline
▲ 0.50% · 4.625%
HK$34,521
+HK$1,980/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,082/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,065
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,979
−HK$927/mo
Today · 4.125%
HK$35,906
baseline
▲ 0.50% · 4.625%
HK$37,798
+HK$1,892/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,812/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,370
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,594
−HK$1,244/mo
Today · 4.125%
HK$41,838
baseline
▲ 0.50% · 4.625%
HK$44,384
+HK$2,546/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,676/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,798
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,973
−HK$1,191/mo
Today · 4.125%
HK$46,164
baseline
▲ 0.50% · 4.625%
HK$48,598
+HK$2,434/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,328/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,189 · 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).