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$1,228/mo
▼ 0.25% · 3.875%
HK$20,199
−HK$619/mo
Today · 4.125%
HK$20,818
baseline
▲ 0.50% · 4.625%
HK$22,085
+HK$1,267/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,636/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,793
−HK$1,178/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$257,731 · 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$257,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,152
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,853
−HK$712/mo
Today · 4.125%
HK$27,565
baseline
▲ 0.50% · 4.625%
HK$29,018
+HK$1,453/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$55,130/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,426
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,279
−HK$866/mo
Today · 4.125%
HK$29,145
baseline
▲ 0.50% · 4.625%
HK$30,919
+HK$1,774/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,290/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,511
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,329
−HK$830/mo
Today · 4.125%
HK$32,159
baseline
▲ 0.50% · 4.625%
HK$33,854
+HK$1,695/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,318/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,262
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,358
−HK$1,115/mo
Today · 4.125%
HK$37,473
baseline
▲ 0.50% · 4.625%
HK$39,753
+HK$2,280/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$257,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,228
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,280
−HK$1,067/mo
Today · 4.125%
HK$41,347
baseline
▲ 0.50% · 4.625%
HK$43,527
+HK$2,180/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,694/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,731 · 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).