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$19,609
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,219
−HK$620/mo
Today · 4.125%
HK$20,839
baseline
▲ 0.50% · 4.625%
HK$22,107
+HK$1,268/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,678/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,815
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,400
−HK$593/mo
Today · 4.125%
HK$22,993
baseline
▲ 0.50% · 4.625%
HK$24,205
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,986/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,531
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,263
−HK$743/mo
Today · 4.125%
HK$25,006
baseline
▲ 0.50% · 4.625%
HK$26,528
+HK$1,522/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,012/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,178
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,880
−HK$712/mo
Today · 4.125%
HK$27,592
baseline
▲ 0.50% · 4.625%
HK$29,047
+HK$1,455/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,184/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,453
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,307
−HK$867/mo
Today · 4.125%
HK$29,174
baseline
▲ 0.50% · 4.625%
HK$30,949
+HK$1,775/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,348/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,541
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,360
−HK$831/mo
Today · 4.125%
HK$32,191
baseline
▲ 0.50% · 4.625%
HK$33,888
+HK$1,697/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,382/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,296
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,394
−HK$1,116/mo
Today · 4.125%
HK$37,510
baseline
▲ 0.50% · 4.625%
HK$39,792
+HK$2,282/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,020/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,267
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,320
−HK$1,068/mo
Today · 4.125%
HK$41,388
baseline
▲ 0.50% · 4.625%
HK$43,570
+HK$2,182/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,776/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,985 · 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).