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$19,618
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,228
−HK$620/mo
Today · 4.125%
HK$20,848
baseline
▲ 0.50% · 4.625%
HK$22,117
+HK$1,269/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,696/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,825
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,410
−HK$594/mo
Today · 4.125%
HK$23,004
baseline
▲ 0.50% · 4.625%
HK$24,217
+HK$1,213/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,008/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,542
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,274
−HK$744/mo
Today · 4.125%
HK$25,018
baseline
▲ 0.50% · 4.625%
HK$26,540
+HK$1,522/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,036/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,190
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,892
−HK$713/mo
Today · 4.125%
HK$27,605
baseline
▲ 0.50% · 4.625%
HK$29,060
+HK$1,455/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,210/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,465
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,320
−HK$868/mo
Today · 4.125%
HK$29,188
baseline
▲ 0.50% · 4.625%
HK$30,964
+HK$1,776/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,376/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,555
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,374
−HK$832/mo
Today · 4.125%
HK$32,206
baseline
▲ 0.50% · 4.625%
HK$33,903
+HK$1,697/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,412/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,313
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,411
−HK$1,116/mo
Today · 4.125%
HK$37,527
baseline
▲ 0.50% · 4.625%
HK$39,811
+HK$2,284/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,054/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,285
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,339
−HK$1,068/mo
Today · 4.125%
HK$41,407
baseline
▲ 0.50% · 4.625%
HK$43,590
+HK$2,183/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,814/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,105 · 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).