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$19,613
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,223
−HK$620/mo
Today · 4.125%
HK$20,843
baseline
▲ 0.50% · 4.625%
HK$22,111
+HK$1,268/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,686/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,819
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,404
−HK$594/mo
Today · 4.125%
HK$22,998
baseline
▲ 0.50% · 4.625%
HK$24,210
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,996/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,535
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,268
−HK$743/mo
Today · 4.125%
HK$25,011
baseline
▲ 0.50% · 4.625%
HK$26,533
+HK$1,522/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,022/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,183
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,885
−HK$713/mo
Today · 4.125%
HK$27,598
baseline
▲ 0.50% · 4.625%
HK$29,052
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,196/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,458
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,312
−HK$868/mo
Today · 4.125%
HK$29,180
baseline
▲ 0.50% · 4.625%
HK$30,955
+HK$1,775/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,360/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,547
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,366
−HK$831/mo
Today · 4.125%
HK$32,197
baseline
▲ 0.50% · 4.625%
HK$33,894
+HK$1,697/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,394/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,303
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,401
−HK$1,116/mo
Today · 4.125%
HK$37,517
baseline
▲ 0.50% · 4.625%
HK$39,800
+HK$2,283/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,034/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,274
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,328
−HK$1,068/mo
Today · 4.125%
HK$41,396
baseline
▲ 0.50% · 4.625%
HK$43,578
+HK$2,182/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,792/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,036 · 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).