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$21,910
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,591
−HK$692/mo
Today · 4.125%
HK$23,283
baseline
▲ 0.50% · 4.625%
HK$24,700
+HK$1,417/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,566/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$330,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,374
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,028
−HK$663/mo
Today · 4.125%
HK$25,691
baseline
▲ 0.50% · 4.625%
HK$27,045
+HK$1,354/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,382/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$330,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,291
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,109
−HK$831/mo
Today · 4.125%
HK$27,940
baseline
▲ 0.50% · 4.625%
HK$29,640
+HK$1,700/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$55,880/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,249
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,033
−HK$796/mo
Today · 4.125%
HK$30,829
baseline
▲ 0.50% · 4.625%
HK$32,454
+HK$1,625/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$61,658/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,673
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,627
−HK$970/mo
Today · 4.125%
HK$32,597
baseline
▲ 0.50% · 4.625%
HK$34,580
+HK$1,983/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,194/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,124
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,039
−HK$928/mo
Today · 4.125%
HK$35,967
baseline
▲ 0.50% · 4.625%
HK$37,863
+HK$1,896/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,934/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,437
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,664
−HK$1,246/mo
Today · 4.125%
HK$41,910
baseline
▲ 0.50% · 4.625%
HK$44,460
+HK$2,550/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,820/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,873
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,050
−HK$1,194/mo
Today · 4.125%
HK$46,244
baseline
▲ 0.50% · 4.625%
HK$48,681
+HK$2,437/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,488/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,837 · 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).