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$21,899
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,580
−HK$693/mo
Today · 4.125%
HK$23,273
baseline
▲ 0.50% · 4.625%
HK$24,689
+HK$1,416/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,546/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,363
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,016
−HK$663/mo
Today · 4.125%
HK$25,679
baseline
▲ 0.50% · 4.625%
HK$27,032
+HK$1,353/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,358/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,279
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,097
−HK$830/mo
Today · 4.125%
HK$27,927
baseline
▲ 0.50% · 4.625%
HK$29,626
+HK$1,699/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,854/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,235
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,019
−HK$796/mo
Today · 4.125%
HK$30,815
baseline
▲ 0.50% · 4.625%
HK$32,439
+HK$1,624/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,630/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,659
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,613
−HK$969/mo
Today · 4.125%
HK$32,582
baseline
▲ 0.50% · 4.625%
HK$34,564
+HK$1,982/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,164/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,108
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,023
−HK$927/mo
Today · 4.125%
HK$35,950
baseline
▲ 0.50% · 4.625%
HK$37,845
+HK$1,895/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,900/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,419
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,645
−HK$1,246/mo
Today · 4.125%
HK$41,891
baseline
▲ 0.50% · 4.625%
HK$44,439
+HK$2,548/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$83,782/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,853
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,029
−HK$1,193/mo
Today · 4.125%
HK$46,222
baseline
▲ 0.50% · 4.625%
HK$48,658
+HK$2,436/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$92,444/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,385 · 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).