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$22,553
−HK$691/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$329,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,333
−HK$1,314/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$329,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,247
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,063
−HK$830/mo
Today · 4.125%
HK$27,893
baseline
▲ 0.50% · 4.625%
HK$29,590
+HK$1,697/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,786/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,199
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,982
−HK$795/mo
Today · 4.125%
HK$30,777
baseline
▲ 0.50% · 4.625%
HK$32,399
+HK$1,622/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,554/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,621
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,574
−HK$967/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$329,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,066
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,979
−HK$927/mo
Today · 4.125%
HK$35,906
baseline
▲ 0.50% · 4.625%
HK$37,799
+HK$1,893/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$329,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,370
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,595
−HK$1,244/mo
Today · 4.125%
HK$41,839
baseline
▲ 0.50% · 4.625%
HK$44,385
+HK$2,546/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,678/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,799
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,974
−HK$1,191/mo
Today · 4.125%
HK$46,165
baseline
▲ 0.50% · 4.625%
HK$48,599
+HK$2,434/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,330/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,203 · 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).