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$21,901
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,582
−HK$692/mo
Today · 4.125%
HK$23,274
baseline
▲ 0.50% · 4.625%
HK$24,691
+HK$1,417/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,548/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,365
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,018
−HK$663/mo
Today · 4.125%
HK$25,681
baseline
▲ 0.50% · 4.625%
HK$27,035
+HK$1,354/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,362/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,281
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,099
−HK$830/mo
Today · 4.125%
HK$27,929
baseline
▲ 0.50% · 4.625%
HK$29,629
+HK$1,700/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,858/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,238
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,022
−HK$795/mo
Today · 4.125%
HK$30,817
baseline
▲ 0.50% · 4.625%
HK$32,442
+HK$1,625/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,634/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,661
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,615
−HK$969/mo
Today · 4.125%
HK$32,584
baseline
▲ 0.50% · 4.625%
HK$34,567
+HK$1,983/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,168/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,110
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,025
−HK$928/mo
Today · 4.125%
HK$35,953
baseline
▲ 0.50% · 4.625%
HK$37,849
+HK$1,896/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,906/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,422
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,648
−HK$1,246/mo
Today · 4.125%
HK$41,894
baseline
▲ 0.50% · 4.625%
HK$44,443
+HK$2,549/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$83,788/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,856
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,033
−HK$1,193/mo
Today · 4.125%
HK$46,226
baseline
▲ 0.50% · 4.625%
HK$48,662
+HK$2,436/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$92,452/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,462 · 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).