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$19,590
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,199
−HK$620/mo
Today · 4.125%
HK$20,819
baseline
▲ 0.50% · 4.625%
HK$22,085
+HK$1,266/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,638/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,794
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,378
−HK$593/mo
Today · 4.125%
HK$22,971
baseline
▲ 0.50% · 4.625%
HK$24,182
+HK$1,211/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,942/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,508
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,239
−HK$743/mo
Today · 4.125%
HK$24,982
baseline
▲ 0.50% · 4.625%
HK$26,502
+HK$1,520/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$49,964/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,153
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,854
−HK$712/mo
Today · 4.125%
HK$27,566
baseline
▲ 0.50% · 4.625%
HK$29,019
+HK$1,453/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$55,132/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,426
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,279
−HK$867/mo
Today · 4.125%
HK$29,146
baseline
▲ 0.50% · 4.625%
HK$30,919
+HK$1,773/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,292/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,511
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,330
−HK$830/mo
Today · 4.125%
HK$32,160
baseline
▲ 0.50% · 4.625%
HK$33,855
+HK$1,695/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,320/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,262
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,359
−HK$1,114/mo
Today · 4.125%
HK$37,473
baseline
▲ 0.50% · 4.625%
HK$39,754
+HK$2,281/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,946/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,229
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,281
−HK$1,067/mo
Today · 4.125%
HK$41,348
baseline
▲ 0.50% · 4.625%
HK$43,528
+HK$2,180/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,696/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,736 · 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).