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$19,622
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,232
−HK$620/mo
Today · 4.125%
HK$20,852
baseline
▲ 0.50% · 4.625%
HK$22,121
+HK$1,269/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,704/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,829
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,414
−HK$594/mo
Today · 4.125%
HK$23,008
baseline
▲ 0.50% · 4.625%
HK$24,221
+HK$1,213/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,016/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,546
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,278
−HK$745/mo
Today · 4.125%
HK$25,023
baseline
▲ 0.50% · 4.625%
HK$26,545
+HK$1,522/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,046/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,195
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,897
−HK$713/mo
Today · 4.125%
HK$27,610
baseline
▲ 0.50% · 4.625%
HK$29,065
+HK$1,455/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,220/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,470
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,325
−HK$868/mo
Today · 4.125%
HK$29,193
baseline
▲ 0.50% · 4.625%
HK$30,969
+HK$1,776/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,386/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,561
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,380
−HK$832/mo
Today · 4.125%
HK$32,212
baseline
▲ 0.50% · 4.625%
HK$33,910
+HK$1,698/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,424/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,319
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,418
−HK$1,116/mo
Today · 4.125%
HK$37,534
baseline
▲ 0.50% · 4.625%
HK$39,818
+HK$2,284/mo
Deposit HK$861K · loan HK$7.74M · min. income ≈ HK$75,068/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,292
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,346
−HK$1,069/mo
Today · 4.125%
HK$41,415
baseline
▲ 0.50% · 4.625%
HK$43,598
+HK$2,183/mo
Deposit HK$861K · loan HK$7.74M · min. income ≈ HK$82,830/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,152 · 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).