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$21,904
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,585
−HK$693/mo
Today · 4.125%
HK$23,278
baseline
▲ 0.50% · 4.625%
HK$24,694
+HK$1,416/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,556/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,368
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,022
−HK$663/mo
Today · 4.125%
HK$25,685
baseline
▲ 0.50% · 4.625%
HK$27,038
+HK$1,353/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,370/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,285
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,102
−HK$831/mo
Today · 4.125%
HK$27,933
baseline
▲ 0.50% · 4.625%
HK$29,633
+HK$1,700/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,866/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,242
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,026
−HK$795/mo
Today · 4.125%
HK$30,821
baseline
▲ 0.50% · 4.625%
HK$32,446
+HK$1,625/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,642/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,666
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,620
−HK$969/mo
Today · 4.125%
HK$32,589
baseline
▲ 0.50% · 4.625%
HK$34,572
+HK$1,983/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,178/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,115
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,030
−HK$928/mo
Today · 4.125%
HK$35,958
baseline
▲ 0.50% · 4.625%
HK$37,854
+HK$1,896/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,916/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,427
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,654
−HK$1,246/mo
Today · 4.125%
HK$41,900
baseline
▲ 0.50% · 4.625%
HK$44,449
+HK$2,549/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,800/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,862
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,039
−HK$1,193/mo
Today · 4.125%
HK$46,232
baseline
▲ 0.50% · 4.625%
HK$48,669
+HK$2,437/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,464/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,596 · 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).