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$19,631
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,242
−HK$621/mo
Today · 4.125%
HK$20,863
baseline
▲ 0.50% · 4.625%
HK$22,132
+HK$1,269/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$258,280 · 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$24,233
+HK$1,213/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$258,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,558
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,291
−HK$744/mo
Today · 4.125%
HK$25,035
baseline
▲ 0.50% · 4.625%
HK$26,558
+HK$1,523/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$50,070/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,280 · 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$29,080
+HK$1,456/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$258,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,484
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,339
−HK$869/mo
Today · 4.125%
HK$29,208
baseline
▲ 0.50% · 4.625%
HK$30,985
+HK$1,777/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$258,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,576
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,396
−HK$832/mo
Today · 4.125%
HK$32,228
baseline
▲ 0.50% · 4.625%
HK$33,926
+HK$1,698/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,456/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,337
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,436
−HK$1,117/mo
Today · 4.125%
HK$37,553
baseline
▲ 0.50% · 4.625%
HK$39,838
+HK$2,285/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,106/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,312
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,366
−HK$1,070/mo
Today · 4.125%
HK$41,436
baseline
▲ 0.50% · 4.625%
HK$43,620
+HK$2,184/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,872/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,280 · 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).