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$21,877
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,557
−HK$692/mo
Today · 4.125%
HK$23,249
baseline
▲ 0.50% · 4.625%
HK$24,663
+HK$1,414/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,498/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,338
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,991
−HK$662/mo
Today · 4.125%
HK$25,653
baseline
▲ 0.50% · 4.625%
HK$27,005
+HK$1,352/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,306/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,252
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,069
−HK$829/mo
Today · 4.125%
HK$27,898
baseline
▲ 0.50% · 4.625%
HK$29,596
+HK$1,698/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,796/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,205
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,989
−HK$794/mo
Today · 4.125%
HK$30,783
baseline
▲ 0.50% · 4.625%
HK$32,406
+HK$1,623/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,566/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,628
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,580
−HK$968/mo
Today · 4.125%
HK$32,548
baseline
▲ 0.50% · 4.625%
HK$34,529
+HK$1,981/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,096/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,073
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,987
−HK$927/mo
Today · 4.125%
HK$35,914
baseline
▲ 0.50% · 4.625%
HK$37,807
+HK$1,893/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,828/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,378
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,603
−HK$1,245/mo
Today · 4.125%
HK$41,848
baseline
▲ 0.50% · 4.625%
HK$44,394
+HK$2,546/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,696/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,808
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,983
−HK$1,192/mo
Today · 4.125%
HK$46,175
baseline
▲ 0.50% · 4.625%
HK$48,609
+HK$2,434/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,350/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,404 · 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).