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$21,897
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,578
−HK$692/mo
Today · 4.125%
HK$23,270
baseline
▲ 0.50% · 4.625%
HK$24,686
+HK$1,416/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,540/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,360
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,014
−HK$662/mo
Today · 4.125%
HK$25,676
baseline
▲ 0.50% · 4.625%
HK$27,030
+HK$1,354/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,352/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,277
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,094
−HK$830/mo
Today · 4.125%
HK$27,924
baseline
▲ 0.50% · 4.625%
HK$29,623
+HK$1,699/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,848/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,232
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,016
−HK$796/mo
Today · 4.125%
HK$30,812
baseline
▲ 0.50% · 4.625%
HK$32,436
+HK$1,624/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,624/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,656
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,610
−HK$968/mo
Today · 4.125%
HK$32,578
baseline
▲ 0.50% · 4.625%
HK$34,561
+HK$1,983/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,156/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,104
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,019
−HK$928/mo
Today · 4.125%
HK$35,947
baseline
▲ 0.50% · 4.625%
HK$37,842
+HK$1,895/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,894/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,415
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,641
−HK$1,245/mo
Today · 4.125%
HK$41,886
baseline
▲ 0.50% · 4.625%
HK$44,435
+HK$2,549/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$83,772/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,849
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,025
−HK$1,193/mo
Today · 4.125%
HK$46,218
baseline
▲ 0.50% · 4.625%
HK$48,654
+HK$2,436/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$92,436/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,293 · 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).