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$19,603
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,213
−HK$620/mo
Today · 4.125%
HK$20,833
baseline
▲ 0.50% · 4.625%
HK$22,100
+HK$1,267/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,666/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,809
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,393
−HK$594/mo
Today · 4.125%
HK$22,987
baseline
▲ 0.50% · 4.625%
HK$24,198
+HK$1,211/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,974/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,524
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,256
−HK$743/mo
Today · 4.125%
HK$24,999
baseline
▲ 0.50% · 4.625%
HK$26,520
+HK$1,521/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$49,998/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,170
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,872
−HK$712/mo
Today · 4.125%
HK$27,584
baseline
▲ 0.50% · 4.625%
HK$29,038
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,168/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,445
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,298
−HK$868/mo
Today · 4.125%
HK$29,166
baseline
▲ 0.50% · 4.625%
HK$30,940
+HK$1,774/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,332/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,532
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,351
−HK$830/mo
Today · 4.125%
HK$32,181
baseline
▲ 0.50% · 4.625%
HK$33,878
+HK$1,697/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,362/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,286
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,384
−HK$1,115/mo
Today · 4.125%
HK$37,499
baseline
▲ 0.50% · 4.625%
HK$39,780
+HK$2,281/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$74,998/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,255
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,308
−HK$1,068/mo
Today · 4.125%
HK$41,376
baseline
▲ 0.50% · 4.625%
HK$43,557
+HK$2,181/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,752/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,910 · 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).