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$21,883
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,564
−HK$692/mo
Today · 4.125%
HK$23,256
baseline
▲ 0.50% · 4.625%
HK$24,671
+HK$1,415/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,512/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,345
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,998
−HK$662/mo
Today · 4.125%
HK$25,660
baseline
▲ 0.50% · 4.625%
HK$27,013
+HK$1,353/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,320/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,260
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,077
−HK$830/mo
Today · 4.125%
HK$27,907
baseline
▲ 0.50% · 4.625%
HK$29,605
+HK$1,698/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,814/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,214
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,997
−HK$795/mo
Today · 4.125%
HK$30,792
baseline
▲ 0.50% · 4.625%
HK$32,415
+HK$1,623/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,584/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,637
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,590
−HK$968/mo
Today · 4.125%
HK$32,558
baseline
▲ 0.50% · 4.625%
HK$34,539
+HK$1,981/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,116/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,083
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,997
−HK$927/mo
Today · 4.125%
HK$35,924
baseline
▲ 0.50% · 4.625%
HK$37,818
+HK$1,894/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,848/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,390
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,615
−HK$1,245/mo
Today · 4.125%
HK$41,860
baseline
▲ 0.50% · 4.625%
HK$44,407
+HK$2,547/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$83,720/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,821
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,996
−HK$1,192/mo
Today · 4.125%
HK$46,188
baseline
▲ 0.50% · 4.625%
HK$48,623
+HK$2,435/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$92,376/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,687 · 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).