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$19,594
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,203
−HK$619/mo
Today · 4.125%
HK$20,822
baseline
▲ 0.50% · 4.625%
HK$22,089
+HK$1,267/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,644/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,798
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,382
−HK$594/mo
Today · 4.125%
HK$22,976
baseline
▲ 0.50% · 4.625%
HK$24,187
+HK$1,211/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,952/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,513
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,244
−HK$743/mo
Today · 4.125%
HK$24,987
baseline
▲ 0.50% · 4.625%
HK$26,507
+HK$1,520/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$49,974/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,157
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,859
−HK$712/mo
Today · 4.125%
HK$27,571
baseline
▲ 0.50% · 4.625%
HK$29,024
+HK$1,453/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,142/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,431
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,285
−HK$866/mo
Today · 4.125%
HK$29,151
baseline
▲ 0.50% · 4.625%
HK$30,925
+HK$1,774/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,302/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,517
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,335
−HK$831/mo
Today · 4.125%
HK$32,166
baseline
▲ 0.50% · 4.625%
HK$33,861
+HK$1,695/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,332/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,269
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,366
−HK$1,114/mo
Today · 4.125%
HK$37,480
baseline
▲ 0.50% · 4.625%
HK$39,761
+HK$2,281/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,960/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,236
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,288
−HK$1,068/mo
Today · 4.125%
HK$41,356
baseline
▲ 0.50% · 4.625%
HK$43,536
+HK$2,180/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,712/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,784 · 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).