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$19,592
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,202
−HK$619/mo
Today · 4.125%
HK$20,821
baseline
▲ 0.50% · 4.625%
HK$22,088
+HK$1,267/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,642/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,796
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,381
−HK$593/mo
Today · 4.125%
HK$22,974
baseline
▲ 0.50% · 4.625%
HK$24,185
+HK$1,211/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,948/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,511
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,242
−HK$743/mo
Today · 4.125%
HK$24,985
baseline
▲ 0.50% · 4.625%
HK$26,505
+HK$1,520/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$49,970/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,155
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,857
−HK$712/mo
Today · 4.125%
HK$27,569
baseline
▲ 0.50% · 4.625%
HK$29,022
+HK$1,453/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,138/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,429
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,282
−HK$867/mo
Today · 4.125%
HK$29,149
baseline
▲ 0.50% · 4.625%
HK$30,923
+HK$1,774/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,298/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,515
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,333
−HK$830/mo
Today · 4.125%
HK$32,163
baseline
▲ 0.50% · 4.625%
HK$33,859
+HK$1,696/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,326/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,266
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,363
−HK$1,115/mo
Today · 4.125%
HK$37,478
baseline
▲ 0.50% · 4.625%
HK$39,758
+HK$2,280/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,956/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,233
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,285
−HK$1,068/mo
Today · 4.125%
HK$41,353
baseline
▲ 0.50% · 4.625%
HK$43,533
+HK$2,180/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,706/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,765 · 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).