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$21,906
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,587
−HK$693/mo
Today · 4.125%
HK$23,280
baseline
▲ 0.50% · 4.625%
HK$24,696
+HK$1,416/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,560/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,370
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,024
−HK$663/mo
Today · 4.125%
HK$25,687
baseline
▲ 0.50% · 4.625%
HK$27,041
+HK$1,354/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,374/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,287
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,105
−HK$831/mo
Today · 4.125%
HK$27,936
baseline
▲ 0.50% · 4.625%
HK$29,636
+HK$1,700/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,872/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,244
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,029
−HK$795/mo
Today · 4.125%
HK$30,824
baseline
▲ 0.50% · 4.625%
HK$32,449
+HK$1,625/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,648/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,668
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,622
−HK$970/mo
Today · 4.125%
HK$32,592
baseline
▲ 0.50% · 4.625%
HK$34,575
+HK$1,983/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,184/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,118
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,033
−HK$929/mo
Today · 4.125%
HK$35,962
baseline
▲ 0.50% · 4.625%
HK$37,857
+HK$1,895/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,924/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,431
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,657
−HK$1,247/mo
Today · 4.125%
HK$41,904
baseline
▲ 0.50% · 4.625%
HK$44,453
+HK$2,549/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,808/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,866
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,043
−HK$1,193/mo
Today · 4.125%
HK$46,236
baseline
▲ 0.50% · 4.625%
HK$48,674
+HK$2,438/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,472/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,684 · 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).