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$19,608
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,218
−HK$619/mo
Today · 4.125%
HK$20,837
baseline
▲ 0.50% · 4.625%
HK$22,105
+HK$1,268/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,674/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,814
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,399
−HK$593/mo
Today · 4.125%
HK$22,992
baseline
▲ 0.50% · 4.625%
HK$24,204
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,984/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,529
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,261
−HK$744/mo
Today · 4.125%
HK$25,005
baseline
▲ 0.50% · 4.625%
HK$26,526
+HK$1,521/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,010/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,176
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,878
−HK$712/mo
Today · 4.125%
HK$27,590
baseline
▲ 0.50% · 4.625%
HK$29,045
+HK$1,455/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,180/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,451
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,305
−HK$867/mo
Today · 4.125%
HK$29,172
baseline
▲ 0.50% · 4.625%
HK$30,948
+HK$1,776/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,344/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,539
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,358
−HK$831/mo
Today · 4.125%
HK$32,189
baseline
▲ 0.50% · 4.625%
HK$33,886
+HK$1,697/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,378/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,294
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,392
−HK$1,115/mo
Today · 4.125%
HK$37,507
baseline
▲ 0.50% · 4.625%
HK$39,790
+HK$2,283/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,014/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,264
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,317
−HK$1,069/mo
Today · 4.125%
HK$41,386
baseline
▲ 0.50% · 4.625%
HK$43,567
+HK$2,181/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,772/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,970 · 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).