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$19,588
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,198
−HK$619/mo
Today · 4.125%
HK$20,817
baseline
▲ 0.50% · 4.625%
HK$22,083
+HK$1,266/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,634/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,792
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,376
−HK$593/mo
Today · 4.125%
HK$22,969
baseline
▲ 0.50% · 4.625%
HK$24,180
+HK$1,211/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,938/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,506
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,237
−HK$743/mo
Today · 4.125%
HK$24,980
baseline
▲ 0.50% · 4.625%
HK$26,500
+HK$1,520/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$49,960/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,150
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,852
−HK$711/mo
Today · 4.125%
HK$27,563
baseline
▲ 0.50% · 4.625%
HK$29,016
+HK$1,453/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$55,126/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,424
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,277
−HK$866/mo
Today · 4.125%
HK$29,143
baseline
▲ 0.50% · 4.625%
HK$30,917
+HK$1,774/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,286/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,509
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,327
−HK$830/mo
Today · 4.125%
HK$32,157
baseline
▲ 0.50% · 4.625%
HK$33,852
+HK$1,695/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,314/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,259
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,356
−HK$1,114/mo
Today · 4.125%
HK$37,470
baseline
▲ 0.50% · 4.625%
HK$39,750
+HK$2,280/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,940/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,225
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,277
−HK$1,068/mo
Today · 4.125%
HK$41,345
baseline
▲ 0.50% · 4.625%
HK$43,524
+HK$2,179/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,690/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,714 · 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).