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$19,591
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,201
−HK$619/mo
Today · 4.125%
HK$20,820
baseline
▲ 0.50% · 4.625%
HK$22,087
+HK$1,267/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,640/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,795
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,380
−HK$593/mo
Today · 4.125%
HK$22,973
baseline
▲ 0.50% · 4.625%
HK$24,184
+HK$1,211/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,946/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,510
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,241
−HK$743/mo
Today · 4.125%
HK$24,984
baseline
▲ 0.50% · 4.625%
HK$26,504
+HK$1,520/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$49,968/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,154
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,856
−HK$711/mo
Today · 4.125%
HK$27,567
baseline
▲ 0.50% · 4.625%
HK$29,021
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,134/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,428
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,281
−HK$867/mo
Today · 4.125%
HK$29,148
baseline
▲ 0.50% · 4.625%
HK$30,922
+HK$1,774/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,296/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,513
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,332
−HK$830/mo
Today · 4.125%
HK$32,162
baseline
▲ 0.50% · 4.625%
HK$33,857
+HK$1,695/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,324/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,265
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,362
−HK$1,114/mo
Today · 4.125%
HK$37,476
baseline
▲ 0.50% · 4.625%
HK$39,756
+HK$2,280/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,952/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,232
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,284
−HK$1,067/mo
Today · 4.125%
HK$41,351
baseline
▲ 0.50% · 4.625%
HK$43,531
+HK$2,180/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,702/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,754 · 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).