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$19,633
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,244
−HK$620/mo
Today · 4.125%
HK$20,864
baseline
▲ 0.50% · 4.625%
HK$22,134
+HK$1,270/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,728/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,841
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,427
−HK$594/mo
Today · 4.125%
HK$23,021
baseline
▲ 0.50% · 4.625%
HK$24,235
+HK$1,214/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,042/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,560
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,292
−HK$745/mo
Today · 4.125%
HK$25,037
baseline
▲ 0.50% · 4.625%
HK$26,560
+HK$1,523/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$50,074/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,210
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,913
−HK$713/mo
Today · 4.125%
HK$27,626
baseline
▲ 0.50% · 4.625%
HK$29,082
+HK$1,456/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$55,252/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,486
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,341
−HK$869/mo
Today · 4.125%
HK$29,210
baseline
▲ 0.50% · 4.625%
HK$30,987
+HK$1,777/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,420/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,578
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,398
−HK$832/mo
Today · 4.125%
HK$32,230
baseline
▲ 0.50% · 4.625%
HK$33,929
+HK$1,699/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,460/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,339
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,439
−HK$1,116/mo
Today · 4.125%
HK$37,555
baseline
▲ 0.50% · 4.625%
HK$39,841
+HK$2,286/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,110/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,315
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,369
−HK$1,070/mo
Today · 4.125%
HK$41,439
baseline
▲ 0.50% · 4.625%
HK$43,623
+HK$2,184/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,878/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,300 · 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).