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$19,600
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,210
−HK$619/mo
Today · 4.125%
HK$20,829
baseline
▲ 0.50% · 4.625%
HK$22,097
+HK$1,268/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,658/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,805
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,390
−HK$593/mo
Today · 4.125%
HK$22,983
baseline
▲ 0.50% · 4.625%
HK$24,194
+HK$1,211/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,966/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,520
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,252
−HK$743/mo
Today · 4.125%
HK$24,995
baseline
▲ 0.50% · 4.625%
HK$26,516
+HK$1,521/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$49,990/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,166
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,868
−HK$711/mo
Today · 4.125%
HK$27,579
baseline
▲ 0.50% · 4.625%
HK$29,033
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,158/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,440
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,294
−HK$867/mo
Today · 4.125%
HK$29,161
baseline
▲ 0.50% · 4.625%
HK$30,935
+HK$1,774/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,322/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,527
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,346
−HK$830/mo
Today · 4.125%
HK$32,176
baseline
▲ 0.50% · 4.625%
HK$33,872
+HK$1,696/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,352/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,280
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,377
−HK$1,115/mo
Today · 4.125%
HK$37,492
baseline
▲ 0.50% · 4.625%
HK$39,774
+HK$2,282/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$74,984/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,249
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,301
−HK$1,068/mo
Today · 4.125%
HK$41,369
baseline
▲ 0.50% · 4.625%
HK$43,550
+HK$2,181/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,738/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,867 · 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).