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$21,898
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,579
−HK$692/mo
Today · 4.125%
HK$23,271
baseline
▲ 0.50% · 4.625%
HK$24,687
+HK$1,416/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,542/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,362
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,015
−HK$663/mo
Today · 4.125%
HK$25,678
baseline
▲ 0.50% · 4.625%
HK$27,031
+HK$1,353/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,356/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,278
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,095
−HK$831/mo
Today · 4.125%
HK$27,926
baseline
▲ 0.50% · 4.625%
HK$29,625
+HK$1,699/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,852/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,234
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,018
−HK$795/mo
Today · 4.125%
HK$30,813
baseline
▲ 0.50% · 4.625%
HK$32,437
+HK$1,624/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,626/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,657
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,611
−HK$969/mo
Today · 4.125%
HK$32,580
baseline
▲ 0.50% · 4.625%
HK$34,562
+HK$1,982/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,160/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,106
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,021
−HK$928/mo
Today · 4.125%
HK$35,949
baseline
▲ 0.50% · 4.625%
HK$37,844
+HK$1,895/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,898/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,417
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,643
−HK$1,245/mo
Today · 4.125%
HK$41,888
baseline
▲ 0.50% · 4.625%
HK$44,437
+HK$2,549/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$83,776/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,851
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,027
−HK$1,193/mo
Today · 4.125%
HK$46,220
baseline
▲ 0.50% · 4.625%
HK$48,656
+HK$2,436/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$92,440/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,339 · 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).