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$19,602
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,211
−HK$620/mo
Today · 4.125%
HK$20,831
baseline
▲ 0.50% · 4.625%
HK$22,098
+HK$1,267/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,662/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,807
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,392
−HK$593/mo
Today · 4.125%
HK$22,985
baseline
▲ 0.50% · 4.625%
HK$24,196
+HK$1,211/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,970/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,522
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,254
−HK$743/mo
Today · 4.125%
HK$24,997
baseline
▲ 0.50% · 4.625%
HK$26,518
+HK$1,521/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$49,994/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,168
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,870
−HK$712/mo
Today · 4.125%
HK$27,582
baseline
▲ 0.50% · 4.625%
HK$29,036
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,164/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,442
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,296
−HK$867/mo
Today · 4.125%
HK$29,163
baseline
▲ 0.50% · 4.625%
HK$30,938
+HK$1,775/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,326/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,529
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,348
−HK$831/mo
Today · 4.125%
HK$32,179
baseline
▲ 0.50% · 4.625%
HK$33,875
+HK$1,696/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,358/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,283
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,381
−HK$1,115/mo
Today · 4.125%
HK$37,496
baseline
▲ 0.50% · 4.625%
HK$39,777
+HK$2,281/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$74,992/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,252
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,305
−HK$1,068/mo
Today · 4.125%
HK$41,373
baseline
▲ 0.50% · 4.625%
HK$43,553
+HK$2,180/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,746/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,888 · 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).