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$21,881
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,562
−HK$692/mo
Today · 4.125%
HK$23,254
baseline
▲ 0.50% · 4.625%
HK$24,668
+HK$1,414/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,508/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,343
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,996
−HK$662/mo
Today · 4.125%
HK$25,658
baseline
▲ 0.50% · 4.625%
HK$27,010
+HK$1,352/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,316/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,258
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,074
−HK$830/mo
Today · 4.125%
HK$27,904
baseline
▲ 0.50% · 4.625%
HK$29,602
+HK$1,698/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,808/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,211
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$29,995
−HK$795/mo
Today · 4.125%
HK$30,790
baseline
▲ 0.50% · 4.625%
HK$32,413
+HK$1,623/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,580/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,634
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,587
−HK$968/mo
Today · 4.125%
HK$32,555
baseline
▲ 0.50% · 4.625%
HK$34,536
+HK$1,981/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,110/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,080
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,994
−HK$927/mo
Today · 4.125%
HK$35,921
baseline
▲ 0.50% · 4.625%
HK$37,815
+HK$1,894/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,842/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,386
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,612
−HK$1,244/mo
Today · 4.125%
HK$41,856
baseline
▲ 0.50% · 4.625%
HK$44,403
+HK$2,547/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$83,712/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,817
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,992
−HK$1,192/mo
Today · 4.125%
HK$46,184
baseline
▲ 0.50% · 4.625%
HK$48,619
+HK$2,435/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$92,368/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,602 · 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).