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$21,873
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,554
−HK$691/mo
Today · 4.125%
HK$23,245
baseline
▲ 0.50% · 4.625%
HK$24,659
+HK$1,414/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,490/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,334
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,986
−HK$663/mo
Today · 4.125%
HK$25,649
baseline
▲ 0.50% · 4.625%
HK$27,000
+HK$1,351/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,298/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,248
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,064
−HK$830/mo
Today · 4.125%
HK$27,894
baseline
▲ 0.50% · 4.625%
HK$29,591
+HK$1,697/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,788/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,201
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,984
−HK$794/mo
Today · 4.125%
HK$30,778
baseline
▲ 0.50% · 4.625%
HK$32,401
+HK$1,623/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,556/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,623
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,575
−HK$968/mo
Today · 4.125%
HK$32,543
baseline
▲ 0.50% · 4.625%
HK$34,523
+HK$1,980/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,086/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,067
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,981
−HK$927/mo
Today · 4.125%
HK$35,908
baseline
▲ 0.50% · 4.625%
HK$37,801
+HK$1,893/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,816/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,372
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,597
−HK$1,244/mo
Today · 4.125%
HK$41,841
baseline
▲ 0.50% · 4.625%
HK$44,387
+HK$2,546/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,682/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,801
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,976
−HK$1,191/mo
Today · 4.125%
HK$46,167
baseline
▲ 0.50% · 4.625%
HK$48,601
+HK$2,434/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,334/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,248 · 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).