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$19,605
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,215
−HK$620/mo
Today · 4.125%
HK$20,835
baseline
▲ 0.50% · 4.625%
HK$22,102
+HK$1,267/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,670/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,811
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,396
−HK$593/mo
Today · 4.125%
HK$22,989
baseline
▲ 0.50% · 4.625%
HK$24,201
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,978/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,526
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,258
−HK$744/mo
Today · 4.125%
HK$25,002
baseline
▲ 0.50% · 4.625%
HK$26,523
+HK$1,521/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,004/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,173
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,875
−HK$712/mo
Today · 4.125%
HK$27,587
baseline
▲ 0.50% · 4.625%
HK$29,041
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,174/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,447
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,301
−HK$868/mo
Today · 4.125%
HK$29,169
baseline
▲ 0.50% · 4.625%
HK$30,943
+HK$1,774/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,338/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,535
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,354
−HK$831/mo
Today · 4.125%
HK$32,185
baseline
▲ 0.50% · 4.625%
HK$33,881
+HK$1,696/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,370/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,290
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,387
−HK$1,116/mo
Today · 4.125%
HK$37,503
baseline
▲ 0.50% · 4.625%
HK$39,784
+HK$2,281/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,006/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,259
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,312
−HK$1,068/mo
Today · 4.125%
HK$41,380
baseline
▲ 0.50% · 4.625%
HK$43,562
+HK$2,182/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,760/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,936 · 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).