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$21,911
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,592
−HK$693/mo
Today · 4.125%
HK$23,285
baseline
▲ 0.50% · 4.625%
HK$24,702
+HK$1,417/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,570/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$330,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,375
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,029
−HK$663/mo
Today · 4.125%
HK$25,692
baseline
▲ 0.50% · 4.625%
HK$27,047
+HK$1,355/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,384/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$330,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,293
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,111
−HK$831/mo
Today · 4.125%
HK$27,942
baseline
▲ 0.50% · 4.625%
HK$29,642
+HK$1,700/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$55,884/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,251
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,035
−HK$796/mo
Today · 4.125%
HK$30,831
baseline
▲ 0.50% · 4.625%
HK$32,456
+HK$1,625/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$61,662/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,675
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,629
−HK$970/mo
Today · 4.125%
HK$32,599
baseline
▲ 0.50% · 4.625%
HK$34,582
+HK$1,983/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,198/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,126
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,041
−HK$928/mo
Today · 4.125%
HK$35,969
baseline
▲ 0.50% · 4.625%
HK$37,865
+HK$1,896/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,938/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,439
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,666
−HK$1,247/mo
Today · 4.125%
HK$41,913
baseline
▲ 0.50% · 4.625%
HK$44,463
+HK$2,550/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,826/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,876
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,053
−HK$1,193/mo
Today · 4.125%
HK$46,246
baseline
▲ 0.50% · 4.625%
HK$48,684
+HK$2,438/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,492/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,890 · 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).