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$21,902
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,583
−HK$692/mo
Today · 4.125%
HK$23,275
baseline
▲ 0.50% · 4.625%
HK$24,692
+HK$1,417/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,550/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,366
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,019
−HK$663/mo
Today · 4.125%
HK$25,682
baseline
▲ 0.50% · 4.625%
HK$27,036
+HK$1,354/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,364/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,282
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,100
−HK$831/mo
Today · 4.125%
HK$27,931
baseline
▲ 0.50% · 4.625%
HK$29,630
+HK$1,699/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,862/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,239
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,023
−HK$796/mo
Today · 4.125%
HK$30,819
baseline
▲ 0.50% · 4.625%
HK$32,443
+HK$1,624/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,638/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,663
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,617
−HK$969/mo
Today · 4.125%
HK$32,586
baseline
▲ 0.50% · 4.625%
HK$34,568
+HK$1,982/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,172/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,112
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,027
−HK$928/mo
Today · 4.125%
HK$35,955
baseline
▲ 0.50% · 4.625%
HK$37,850
+HK$1,895/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,910/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,424
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,650
−HK$1,246/mo
Today · 4.125%
HK$41,896
baseline
▲ 0.50% · 4.625%
HK$44,445
+HK$2,549/mo
Deposit HK$961K · loan HK$8.64M · min. income ≈ HK$83,792/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,858
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,035
−HK$1,193/mo
Today · 4.125%
HK$46,228
baseline
▲ 0.50% · 4.625%
HK$48,665
+HK$2,437/mo
Deposit HK$961K · loan HK$8.64M · min. income ≈ HK$92,456/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,505 · 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).