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$19,632
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,243
−HK$620/mo
Today · 4.125%
HK$20,863
baseline
▲ 0.50% · 4.625%
HK$22,133
+HK$1,270/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,726/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,840
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,426
−HK$594/mo
Today · 4.125%
HK$23,020
baseline
▲ 0.50% · 4.625%
HK$24,234
+HK$1,214/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,040/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,558
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,291
−HK$745/mo
Today · 4.125%
HK$25,036
baseline
▲ 0.50% · 4.625%
HK$26,559
+HK$1,523/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$50,072/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,208
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,911
−HK$713/mo
Today · 4.125%
HK$27,624
baseline
▲ 0.50% · 4.625%
HK$29,081
+HK$1,457/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$55,248/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,485
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,340
−HK$868/mo
Today · 4.125%
HK$29,208
baseline
▲ 0.50% · 4.625%
HK$30,986
+HK$1,778/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,416/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,577
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,397
−HK$832/mo
Today · 4.125%
HK$32,229
baseline
▲ 0.50% · 4.625%
HK$33,927
+HK$1,698/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,458/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,338
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,437
−HK$1,117/mo
Today · 4.125%
HK$37,554
baseline
▲ 0.50% · 4.625%
HK$39,839
+HK$2,285/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,108/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,313
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,367
−HK$1,070/mo
Today · 4.125%
HK$41,437
baseline
▲ 0.50% · 4.625%
HK$43,621
+HK$2,184/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,874/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,287 · 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).