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$19,621
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,232
−HK$620/mo
Today · 4.125%
HK$20,852
baseline
▲ 0.50% · 4.625%
HK$22,120
+HK$1,268/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$258,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,828
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,414
−HK$594/mo
Today · 4.125%
HK$23,008
baseline
▲ 0.50% · 4.625%
HK$24,220
+HK$1,212/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$258,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,545
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,278
−HK$744/mo
Today · 4.125%
HK$25,022
baseline
▲ 0.50% · 4.625%
HK$26,544
+HK$1,522/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,044/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,194
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,897
−HK$712/mo
Today · 4.125%
HK$27,609
baseline
▲ 0.50% · 4.625%
HK$29,065
+HK$1,456/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,218/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,470
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,324
−HK$868/mo
Today · 4.125%
HK$29,192
baseline
▲ 0.50% · 4.625%
HK$30,969
+HK$1,777/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,384/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,560
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,379
−HK$832/mo
Today · 4.125%
HK$32,211
baseline
▲ 0.50% · 4.625%
HK$33,909
+HK$1,698/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,422/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,318
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,417
−HK$1,116/mo
Today · 4.125%
HK$37,533
baseline
▲ 0.50% · 4.625%
HK$39,817
+HK$2,284/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,066/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,291
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,345
−HK$1,069/mo
Today · 4.125%
HK$41,414
baseline
▲ 0.50% · 4.625%
HK$43,597
+HK$2,183/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,828/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,145 · 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).