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$19,627
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,237
−HK$621/mo
Today · 4.125%
HK$20,858
baseline
▲ 0.50% · 4.625%
HK$22,127
+HK$1,269/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,716/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,835
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,420
−HK$594/mo
Today · 4.125%
HK$23,014
baseline
▲ 0.50% · 4.625%
HK$24,228
+HK$1,214/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,028/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,552
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,285
−HK$744/mo
Today · 4.125%
HK$25,029
baseline
▲ 0.50% · 4.625%
HK$26,552
+HK$1,523/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,058/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,202
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,904
−HK$713/mo
Today · 4.125%
HK$27,617
baseline
▲ 0.50% · 4.625%
HK$29,073
+HK$1,456/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,234/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,478
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,332
−HK$869/mo
Today · 4.125%
HK$29,201
baseline
▲ 0.50% · 4.625%
HK$30,978
+HK$1,777/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,402/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,569
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,388
−HK$832/mo
Today · 4.125%
HK$32,220
baseline
▲ 0.50% · 4.625%
HK$33,919
+HK$1,699/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,440/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,328
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,427
−HK$1,117/mo
Today · 4.125%
HK$37,544
baseline
▲ 0.50% · 4.625%
HK$39,828
+HK$2,284/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,088/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,303
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,357
−HK$1,069/mo
Today · 4.125%
HK$41,426
baseline
▲ 0.50% · 4.625%
HK$43,610
+HK$2,184/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,852/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,220 · 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).