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$1,373/mo
▼ 0.25% · 3.875%
HK$22,587
−HK$692/mo
Today · 4.125%
HK$23,279
baseline
▲ 0.50% · 4.625%
HK$24,696
+HK$1,417/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$330,672 · 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$330,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,287
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,105
−HK$830/mo
Today · 4.125%
HK$27,935
baseline
▲ 0.50% · 4.625%
HK$29,635
+HK$1,700/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$330,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,244
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,028
−HK$796/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$330,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,668
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,622
−HK$969/mo
Today · 4.125%
HK$32,591
baseline
▲ 0.50% · 4.625%
HK$34,574
+HK$1,983/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,182/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,118
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,033
−HK$928/mo
Today · 4.125%
HK$35,961
baseline
▲ 0.50% · 4.625%
HK$37,857
+HK$1,896/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,922/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,430
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,657
−HK$1,246/mo
Today · 4.125%
HK$41,903
baseline
▲ 0.50% · 4.625%
HK$44,453
+HK$2,550/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,806/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,866
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,042
−HK$1,194/mo
Today · 4.125%
HK$46,236
baseline
▲ 0.50% · 4.625%
HK$48,673
+HK$2,437/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$330,672 · 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).