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$19,620
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,231
−HK$620/mo
Today · 4.125%
HK$20,851
baseline
▲ 0.50% · 4.625%
HK$22,120
+HK$1,269/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,702/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,828
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,413
−HK$594/mo
Today · 4.125%
HK$23,007
baseline
▲ 0.50% · 4.625%
HK$24,220
+HK$1,213/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,014/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,545
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,277
−HK$744/mo
Today · 4.125%
HK$25,021
baseline
▲ 0.50% · 4.625%
HK$26,544
+HK$1,523/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,042/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,193
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,896
−HK$712/mo
Today · 4.125%
HK$27,608
baseline
▲ 0.50% · 4.625%
HK$29,064
+HK$1,456/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,216/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,469
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,323
−HK$868/mo
Today · 4.125%
HK$29,191
baseline
▲ 0.50% · 4.625%
HK$30,967
+HK$1,776/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,382/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,559
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,378
−HK$832/mo
Today · 4.125%
HK$32,210
baseline
▲ 0.50% · 4.625%
HK$33,907
+HK$1,697/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,420/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,317
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,415
−HK$1,117/mo
Today · 4.125%
HK$37,532
baseline
▲ 0.50% · 4.625%
HK$39,815
+HK$2,283/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,064/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,290
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,343
−HK$1,069/mo
Today · 4.125%
HK$41,412
baseline
▲ 0.50% · 4.625%
HK$43,595
+HK$2,183/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,824/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,136 · 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).