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$19,603
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,212
−HK$620/mo
Today · 4.125%
HK$20,832
baseline
▲ 0.50% · 4.625%
HK$22,100
+HK$1,268/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,664/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,808
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,393
−HK$593/mo
Today · 4.125%
HK$22,986
baseline
▲ 0.50% · 4.625%
HK$24,198
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,972/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,523
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,255
−HK$743/mo
Today · 4.125%
HK$24,998
baseline
▲ 0.50% · 4.625%
HK$26,519
+HK$1,521/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$49,996/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,169
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,871
−HK$712/mo
Today · 4.125%
HK$27,583
baseline
▲ 0.50% · 4.625%
HK$29,037
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,166/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,444
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,297
−HK$868/mo
Today · 4.125%
HK$29,165
baseline
▲ 0.50% · 4.625%
HK$30,939
+HK$1,774/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,330/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,531
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,350
−HK$830/mo
Today · 4.125%
HK$32,180
baseline
▲ 0.50% · 4.625%
HK$33,877
+HK$1,697/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,360/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,285
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,382
−HK$1,116/mo
Today · 4.125%
HK$37,498
baseline
▲ 0.50% · 4.625%
HK$39,779
+HK$2,281/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$74,996/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,254
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,307
−HK$1,068/mo
Today · 4.125%
HK$41,375
baseline
▲ 0.50% · 4.625%
HK$43,556
+HK$2,181/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,750/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,902 · 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).