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$21,870
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,550
−HK$691/mo
Today · 4.125%
HK$23,241
baseline
▲ 0.50% · 4.625%
HK$24,655
+HK$1,414/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,482/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$329,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,330
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,982
−HK$662/mo
Today · 4.125%
HK$25,644
baseline
▲ 0.50% · 4.625%
HK$26,996
+HK$1,352/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,288/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$329,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,244
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,060
−HK$829/mo
Today · 4.125%
HK$27,889
baseline
▲ 0.50% · 4.625%
HK$29,586
+HK$1,697/mo
Deposit HK$3.84M · loan HK$5.75M · min. income ≈ HK$55,778/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,196
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,979
−HK$794/mo
Today · 4.125%
HK$30,773
baseline
▲ 0.50% · 4.625%
HK$32,395
+HK$1,622/mo
Deposit HK$3.84M · loan HK$5.75M · min. income ≈ HK$61,546/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,618
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,570
−HK$968/mo
Today · 4.125%
HK$32,538
baseline
▲ 0.50% · 4.625%
HK$34,518
+HK$1,980/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,076/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,062
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,975
−HK$927/mo
Today · 4.125%
HK$35,902
baseline
▲ 0.50% · 4.625%
HK$37,795
+HK$1,893/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,804/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,366
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,590
−HK$1,244/mo
Today · 4.125%
HK$41,834
baseline
▲ 0.50% · 4.625%
HK$44,380
+HK$2,546/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,668/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,794
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,968
−HK$1,192/mo
Today · 4.125%
HK$46,160
baseline
▲ 0.50% · 4.625%
HK$48,593
+HK$2,433/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,320/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,094 · 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).