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$21,882
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,563
−HK$692/mo
Today · 4.125%
HK$23,255
baseline
▲ 0.50% · 4.625%
HK$24,670
+HK$1,415/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,510/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,344
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,997
−HK$662/mo
Today · 4.125%
HK$25,659
baseline
▲ 0.50% · 4.625%
HK$27,012
+HK$1,353/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,318/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$329,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,259
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,076
−HK$830/mo
Today · 4.125%
HK$27,906
baseline
▲ 0.50% · 4.625%
HK$29,604
+HK$1,698/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,812/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,213
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,996
−HK$795/mo
Today · 4.125%
HK$30,791
baseline
▲ 0.50% · 4.625%
HK$32,414
+HK$1,623/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,582/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$329,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,635
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,588
−HK$968/mo
Today · 4.125%
HK$32,556
baseline
▲ 0.50% · 4.625%
HK$34,537
+HK$1,981/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,112/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,082
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,996
−HK$927/mo
Today · 4.125%
HK$35,923
baseline
▲ 0.50% · 4.625%
HK$37,816
+HK$1,893/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,846/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$329,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,388
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,614
−HK$1,244/mo
Today · 4.125%
HK$41,858
baseline
▲ 0.50% · 4.625%
HK$44,405
+HK$2,547/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$83,716/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,819
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$44,994
−HK$1,193/mo
Today · 4.125%
HK$46,187
baseline
▲ 0.50% · 4.625%
HK$48,621
+HK$2,434/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$92,374/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$329,648 · 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).