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$19,625
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,236
−HK$620/mo
Today · 4.125%
HK$20,856
baseline
▲ 0.50% · 4.625%
HK$22,125
+HK$1,269/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,712/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,833
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,419
−HK$594/mo
Today · 4.125%
HK$23,013
baseline
▲ 0.50% · 4.625%
HK$24,226
+HK$1,213/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,026/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,550
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,283
−HK$744/mo
Today · 4.125%
HK$25,027
baseline
▲ 0.50% · 4.625%
HK$26,550
+HK$1,523/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,054/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,200
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,902
−HK$713/mo
Today · 4.125%
HK$27,615
baseline
▲ 0.50% · 4.625%
HK$29,071
+HK$1,456/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,230/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,476
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,330
−HK$868/mo
Today · 4.125%
HK$29,198
baseline
▲ 0.50% · 4.625%
HK$30,975
+HK$1,777/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,396/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,566
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,386
−HK$832/mo
Today · 4.125%
HK$32,218
baseline
▲ 0.50% · 4.625%
HK$33,916
+HK$1,698/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,436/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,326
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,425
−HK$1,116/mo
Today · 4.125%
HK$37,541
baseline
▲ 0.50% · 4.625%
HK$39,825
+HK$2,284/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,082/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,299
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,353
−HK$1,070/mo
Today · 4.125%
HK$41,423
baseline
▲ 0.50% · 4.625%
HK$43,606
+HK$2,183/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,846/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,200 · 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).