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$19,634
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,244
−HK$621/mo
Today · 4.125%
HK$20,865
baseline
▲ 0.50% · 4.625%
HK$22,134
+HK$1,269/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,730/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,842
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,428
−HK$594/mo
Today · 4.125%
HK$23,022
baseline
▲ 0.50% · 4.625%
HK$24,236
+HK$1,214/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,044/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,560
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,293
−HK$745/mo
Today · 4.125%
HK$25,038
baseline
▲ 0.50% · 4.625%
HK$26,561
+HK$1,523/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$50,076/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,211
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,914
−HK$713/mo
Today · 4.125%
HK$27,627
baseline
▲ 0.50% · 4.625%
HK$29,083
+HK$1,456/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$55,254/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,487
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,342
−HK$869/mo
Today · 4.125%
HK$29,211
baseline
▲ 0.50% · 4.625%
HK$30,988
+HK$1,777/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,422/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,579
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,399
−HK$832/mo
Today · 4.125%
HK$32,231
baseline
▲ 0.50% · 4.625%
HK$33,930
+HK$1,699/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,462/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,341
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,440
−HK$1,117/mo
Today · 4.125%
HK$37,557
baseline
▲ 0.50% · 4.625%
HK$39,842
+HK$2,285/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,114/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,316
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,371
−HK$1,069/mo
Today · 4.125%
HK$41,440
baseline
▲ 0.50% · 4.625%
HK$43,625
+HK$2,185/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,880/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,310 · 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).