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$19,619
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,230
−HK$620/mo
Today · 4.125%
HK$20,850
baseline
▲ 0.50% · 4.625%
HK$22,118
+HK$1,268/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,700/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,826
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,412
−HK$594/mo
Today · 4.125%
HK$23,006
baseline
▲ 0.50% · 4.625%
HK$24,218
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,012/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,543
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,276
−HK$744/mo
Today · 4.125%
HK$25,020
baseline
▲ 0.50% · 4.625%
HK$26,542
+HK$1,522/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,040/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,192
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,894
−HK$713/mo
Today · 4.125%
HK$27,607
baseline
▲ 0.50% · 4.625%
HK$29,062
+HK$1,455/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,214/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,467
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,322
−HK$868/mo
Today · 4.125%
HK$29,190
baseline
▲ 0.50% · 4.625%
HK$30,966
+HK$1,776/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,380/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,557
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,377
−HK$831/mo
Today · 4.125%
HK$32,208
baseline
▲ 0.50% · 4.625%
HK$33,906
+HK$1,698/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,416/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,315
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,414
−HK$1,116/mo
Today · 4.125%
HK$37,530
baseline
▲ 0.50% · 4.625%
HK$39,813
+HK$2,283/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,060/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,288
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,341
−HK$1,069/mo
Today · 4.125%
HK$41,410
baseline
▲ 0.50% · 4.625%
HK$43,593
+HK$2,183/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,820/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,122 · 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).