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$21,908
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,589
−HK$693/mo
Today · 4.125%
HK$23,282
baseline
▲ 0.50% · 4.625%
HK$24,698
+HK$1,416/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,564/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,372
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,026
−HK$663/mo
Today · 4.125%
HK$25,689
baseline
▲ 0.50% · 4.625%
HK$27,043
+HK$1,354/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,378/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,289
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,107
−HK$831/mo
Today · 4.125%
HK$27,938
baseline
▲ 0.50% · 4.625%
HK$29,638
+HK$1,700/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,876/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,247
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,031
−HK$796/mo
Today · 4.125%
HK$30,827
baseline
▲ 0.50% · 4.625%
HK$32,452
+HK$1,625/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,654/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,671
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,625
−HK$969/mo
Today · 4.125%
HK$32,594
baseline
▲ 0.50% · 4.625%
HK$34,578
+HK$1,984/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,188/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,121
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,036
−HK$929/mo
Today · 4.125%
HK$35,965
baseline
▲ 0.50% · 4.625%
HK$37,860
+HK$1,895/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,930/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,434
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,661
−HK$1,246/mo
Today · 4.125%
HK$41,907
baseline
▲ 0.50% · 4.625%
HK$44,457
+HK$2,550/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,814/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,870
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,047
−HK$1,193/mo
Today · 4.125%
HK$46,240
baseline
▲ 0.50% · 4.625%
HK$48,677
+HK$2,437/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,480/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,760 · 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).