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$21,871
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,551
−HK$691/mo
Today · 4.125%
HK$23,242
baseline
▲ 0.50% · 4.625%
HK$24,656
+HK$1,414/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,484/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$329,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,331
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,983
−HK$662/mo
Today · 4.125%
HK$25,645
baseline
▲ 0.50% · 4.625%
HK$26,997
+HK$1,352/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,290/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$329,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,245
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,061
−HK$829/mo
Today · 4.125%
HK$27,890
baseline
▲ 0.50% · 4.625%
HK$29,588
+HK$1,698/mo
Deposit HK$3.84M · loan HK$5.75M · min. income ≈ HK$55,780/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,197
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,980
−HK$794/mo
Today · 4.125%
HK$30,774
baseline
▲ 0.50% · 4.625%
HK$32,397
+HK$1,623/mo
Deposit HK$3.84M · loan HK$5.75M · min. income ≈ HK$61,548/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,619
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,571
−HK$968/mo
Today · 4.125%
HK$32,539
baseline
▲ 0.50% · 4.625%
HK$34,519
+HK$1,980/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,078/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,063
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,977
−HK$926/mo
Today · 4.125%
HK$35,903
baseline
▲ 0.50% · 4.625%
HK$37,796
+HK$1,893/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,806/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,367
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,592
−HK$1,244/mo
Today · 4.125%
HK$41,836
baseline
▲ 0.50% · 4.625%
HK$44,381
+HK$2,545/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,672/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,795
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,970
−HK$1,192/mo
Today · 4.125%
HK$46,162
baseline
▲ 0.50% · 4.625%
HK$48,595
+HK$2,433/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,324/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,127 · 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).