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$19,598
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,208
−HK$619/mo
Today · 4.125%
HK$20,827
baseline
▲ 0.50% · 4.625%
HK$22,095
+HK$1,268/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,654/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,803
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,388
−HK$593/mo
Today · 4.125%
HK$22,981
baseline
▲ 0.50% · 4.625%
HK$24,192
+HK$1,211/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,962/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,518
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,250
−HK$743/mo
Today · 4.125%
HK$24,993
baseline
▲ 0.50% · 4.625%
HK$26,514
+HK$1,521/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$49,986/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,164
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,865
−HK$712/mo
Today · 4.125%
HK$27,577
baseline
▲ 0.50% · 4.625%
HK$29,031
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,154/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,438
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,291
−HK$867/mo
Today · 4.125%
HK$29,158
baseline
▲ 0.50% · 4.625%
HK$30,933
+HK$1,775/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,316/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,524
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,343
−HK$831/mo
Today · 4.125%
HK$32,174
baseline
▲ 0.50% · 4.625%
HK$33,869
+HK$1,695/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,348/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,277
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,375
−HK$1,114/mo
Today · 4.125%
HK$37,489
baseline
▲ 0.50% · 4.625%
HK$39,771
+HK$2,282/mo
Deposit HK$859K · loan HK$7.74M · min. income ≈ HK$74,978/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,246
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,298
−HK$1,068/mo
Today · 4.125%
HK$41,366
baseline
▲ 0.50% · 4.625%
HK$43,546
+HK$2,180/mo
Deposit HK$859K · loan HK$7.74M · min. income ≈ HK$82,732/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,846 · 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).