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$21,887
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,568
−HK$691/mo
Today · 4.125%
HK$23,259
baseline
▲ 0.50% · 4.625%
HK$24,675
+HK$1,416/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,518/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,349
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,002
−HK$663/mo
Today · 4.125%
HK$25,665
baseline
▲ 0.50% · 4.625%
HK$27,017
+HK$1,352/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,330/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,264
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,081
−HK$830/mo
Today · 4.125%
HK$27,911
baseline
▲ 0.50% · 4.625%
HK$29,610
+HK$1,699/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,822/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,219
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$30,002
−HK$795/mo
Today · 4.125%
HK$30,797
baseline
▲ 0.50% · 4.625%
HK$32,421
+HK$1,624/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,594/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,642
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,595
−HK$968/mo
Today · 4.125%
HK$32,563
baseline
▲ 0.50% · 4.625%
HK$34,545
+HK$1,982/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,126/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,089
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$35,003
−HK$927/mo
Today · 4.125%
HK$35,930
baseline
▲ 0.50% · 4.625%
HK$37,824
+HK$1,894/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,860/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,397
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,622
−HK$1,245/mo
Today · 4.125%
HK$41,867
baseline
▲ 0.50% · 4.625%
HK$44,415
+HK$2,548/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$83,734/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,828
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,004
−HK$1,192/mo
Today · 4.125%
HK$46,196
baseline
▲ 0.50% · 4.625%
HK$48,631
+HK$2,435/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$92,392/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,847 · 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).