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$21,912
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,593
−HK$693/mo
Today · 4.125%
HK$23,286
baseline
▲ 0.50% · 4.625%
HK$24,703
+HK$1,417/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,572/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$330,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,377
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,030
−HK$664/mo
Today · 4.125%
HK$25,694
baseline
▲ 0.50% · 4.625%
HK$27,048
+HK$1,354/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,388/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$330,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,294
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,112
−HK$831/mo
Today · 4.125%
HK$27,943
baseline
▲ 0.50% · 4.625%
HK$29,643
+HK$1,700/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$55,886/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,252
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,036
−HK$796/mo
Today · 4.125%
HK$30,832
baseline
▲ 0.50% · 4.625%
HK$32,458
+HK$1,626/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$61,664/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,676
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,631
−HK$969/mo
Today · 4.125%
HK$32,600
baseline
▲ 0.50% · 4.625%
HK$34,584
+HK$1,984/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,200/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,127
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,043
−HK$928/mo
Today · 4.125%
HK$35,971
baseline
▲ 0.50% · 4.625%
HK$37,867
+HK$1,896/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,942/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,441
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,668
−HK$1,247/mo
Today · 4.125%
HK$41,915
baseline
▲ 0.50% · 4.625%
HK$44,465
+HK$2,550/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,830/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,878
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,055
−HK$1,194/mo
Today · 4.125%
HK$46,249
baseline
▲ 0.50% · 4.625%
HK$48,686
+HK$2,437/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,498/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,935 · 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).