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$21,875
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,555
−HK$692/mo
Today · 4.125%
HK$23,247
baseline
▲ 0.50% · 4.625%
HK$24,661
+HK$1,414/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,494/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,335
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,988
−HK$662/mo
Today · 4.125%
HK$25,650
baseline
▲ 0.50% · 4.625%
HK$27,002
+HK$1,352/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,300/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,250
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,066
−HK$830/mo
Today · 4.125%
HK$27,896
baseline
▲ 0.50% · 4.625%
HK$29,593
+HK$1,697/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,792/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,203
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,986
−HK$794/mo
Today · 4.125%
HK$30,780
baseline
▲ 0.50% · 4.625%
HK$32,403
+HK$1,623/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,560/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,625
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,577
−HK$968/mo
Today · 4.125%
HK$32,545
baseline
▲ 0.50% · 4.625%
HK$34,525
+HK$1,980/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,090/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,070
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,983
−HK$927/mo
Today · 4.125%
HK$35,910
baseline
▲ 0.50% · 4.625%
HK$37,803
+HK$1,893/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,820/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,375
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,599
−HK$1,245/mo
Today · 4.125%
HK$41,844
baseline
▲ 0.50% · 4.625%
HK$44,390
+HK$2,546/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,688/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,804
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,979
−HK$1,191/mo
Today · 4.125%
HK$46,170
baseline
▲ 0.50% · 4.625%
HK$48,604
+HK$2,434/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,340/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,313 · 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).