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$21,905
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,587
−HK$692/mo
Today · 4.125%
HK$23,279
baseline
▲ 0.50% · 4.625%
HK$24,695
+HK$1,416/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,558/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,369
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,023
−HK$663/mo
Today · 4.125%
HK$25,686
baseline
▲ 0.50% · 4.625%
HK$27,040
+HK$1,354/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,372/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,286
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,104
−HK$831/mo
Today · 4.125%
HK$27,935
baseline
▲ 0.50% · 4.625%
HK$29,634
+HK$1,699/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,870/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,243
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,027
−HK$796/mo
Today · 4.125%
HK$30,823
baseline
▲ 0.50% · 4.625%
HK$32,448
+HK$1,625/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,646/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,667
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,621
−HK$969/mo
Today · 4.125%
HK$32,590
baseline
▲ 0.50% · 4.625%
HK$34,573
+HK$1,983/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,180/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,117
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,032
−HK$928/mo
Today · 4.125%
HK$35,960
baseline
▲ 0.50% · 4.625%
HK$37,856
+HK$1,896/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,920/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,429
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,656
−HK$1,246/mo
Today · 4.125%
HK$41,902
baseline
▲ 0.50% · 4.625%
HK$44,452
+HK$2,550/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,804/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,865
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,041
−HK$1,194/mo
Today · 4.125%
HK$46,235
baseline
▲ 0.50% · 4.625%
HK$48,672
+HK$2,437/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,470/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,646 · 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).