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$21,896
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,577
−HK$692/mo
Today · 4.125%
HK$23,269
baseline
▲ 0.50% · 4.625%
HK$24,685
+HK$1,416/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$46,538/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,359
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,012
−HK$663/mo
Today · 4.125%
HK$25,675
baseline
▲ 0.50% · 4.625%
HK$27,029
+HK$1,354/mo
Deposit HK$4.80M · loan HK$4.80M · min. income ≈ HK$51,350/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$330,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,275
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,093
−HK$830/mo
Today · 4.125%
HK$27,923
baseline
▲ 0.50% · 4.625%
HK$29,622
+HK$1,699/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$55,846/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,231
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,015
−HK$795/mo
Today · 4.125%
HK$30,810
baseline
▲ 0.50% · 4.625%
HK$32,434
+HK$1,624/mo
Deposit HK$3.84M · loan HK$5.76M · min. income ≈ HK$61,620/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$330,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,655
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,608
−HK$969/mo
Today · 4.125%
HK$32,577
baseline
▲ 0.50% · 4.625%
HK$34,559
+HK$1,982/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$65,154/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,103
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,017
−HK$928/mo
Today · 4.125%
HK$35,945
baseline
▲ 0.50% · 4.625%
HK$37,840
+HK$1,895/mo
Deposit HK$2.88M · loan HK$6.72M · min. income ≈ HK$71,890/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$330,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,413
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,639
−HK$1,245/mo
Today · 4.125%
HK$41,884
baseline
▲ 0.50% · 4.625%
HK$44,433
+HK$2,549/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$83,768/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,847
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,022
−HK$1,193/mo
Today · 4.125%
HK$46,215
baseline
▲ 0.50% · 4.625%
HK$48,651
+HK$2,436/mo
Deposit HK$960K · loan HK$8.64M · min. income ≈ HK$92,430/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$330,247 · 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).