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$19,630
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,241
−HK$620/mo
Today · 4.125%
HK$20,861
baseline
▲ 0.50% · 4.625%
HK$22,130
+HK$1,269/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,722/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,838
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,424
−HK$594/mo
Today · 4.125%
HK$23,018
baseline
▲ 0.50% · 4.625%
HK$24,231
+HK$1,213/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,036/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,556
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,289
−HK$744/mo
Today · 4.125%
HK$25,033
baseline
▲ 0.50% · 4.625%
HK$26,556
+HK$1,523/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$50,066/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,206
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,909
−HK$713/mo
Today · 4.125%
HK$27,622
baseline
▲ 0.50% · 4.625%
HK$29,078
+HK$1,456/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$55,244/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,482
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,337
−HK$868/mo
Today · 4.125%
HK$29,205
baseline
▲ 0.50% · 4.625%
HK$30,982
+HK$1,777/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,410/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,573
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,393
−HK$832/mo
Today · 4.125%
HK$32,225
baseline
▲ 0.50% · 4.625%
HK$33,924
+HK$1,699/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,450/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,334
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,433
−HK$1,117/mo
Today · 4.125%
HK$37,550
baseline
▲ 0.50% · 4.625%
HK$39,835
+HK$2,285/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,100/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,309
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,363
−HK$1,069/mo
Today · 4.125%
HK$41,432
baseline
▲ 0.50% · 4.625%
HK$43,616
+HK$2,184/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,864/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,261 · 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).