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$19,607
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,216
−HK$620/mo
Today · 4.125%
HK$20,836
baseline
▲ 0.50% · 4.625%
HK$22,104
+HK$1,268/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,672/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,812
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,397
−HK$594/mo
Today · 4.125%
HK$22,991
baseline
▲ 0.50% · 4.625%
HK$24,202
+HK$1,211/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,982/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,528
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,260
−HK$743/mo
Today · 4.125%
HK$25,003
baseline
▲ 0.50% · 4.625%
HK$26,525
+HK$1,522/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,006/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,175
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,877
−HK$712/mo
Today · 4.125%
HK$27,589
baseline
▲ 0.50% · 4.625%
HK$29,043
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,178/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,449
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,303
−HK$868/mo
Today · 4.125%
HK$29,171
baseline
▲ 0.50% · 4.625%
HK$30,946
+HK$1,775/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,342/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,537
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,356
−HK$831/mo
Today · 4.125%
HK$32,187
baseline
▲ 0.50% · 4.625%
HK$33,883
+HK$1,696/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,374/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,292
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,390
−HK$1,115/mo
Today · 4.125%
HK$37,505
baseline
▲ 0.50% · 4.625%
HK$39,787
+HK$2,282/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,010/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,262
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,315
−HK$1,068/mo
Today · 4.125%
HK$41,383
baseline
▲ 0.50% · 4.625%
HK$43,564
+HK$2,181/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,766/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,953 · 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).