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$19,594
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,204
−HK$619/mo
Today · 4.125%
HK$20,823
baseline
▲ 0.50% · 4.625%
HK$22,090
+HK$1,267/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,646/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,799
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,383
−HK$593/mo
Today · 4.125%
HK$22,976
baseline
▲ 0.50% · 4.625%
HK$24,187
+HK$1,211/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,952/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,513
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,245
−HK$743/mo
Today · 4.125%
HK$24,988
baseline
▲ 0.50% · 4.625%
HK$26,508
+HK$1,520/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$49,976/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,158
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,860
−HK$712/mo
Today · 4.125%
HK$27,572
baseline
▲ 0.50% · 4.625%
HK$29,025
+HK$1,453/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,144/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,432
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,286
−HK$867/mo
Today · 4.125%
HK$29,153
baseline
▲ 0.50% · 4.625%
HK$30,926
+HK$1,773/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,306/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,518
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,337
−HK$830/mo
Today · 4.125%
HK$32,167
baseline
▲ 0.50% · 4.625%
HK$33,862
+HK$1,695/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,334/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,270
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,367
−HK$1,115/mo
Today · 4.125%
HK$37,482
baseline
▲ 0.50% · 4.625%
HK$39,762
+HK$2,280/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,964/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,238
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,290
−HK$1,067/mo
Today · 4.125%
HK$41,357
baseline
▲ 0.50% · 4.625%
HK$43,537
+HK$2,180/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,714/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,794 · 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).