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$19,626
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,237
−HK$620/mo
Today · 4.125%
HK$20,857
baseline
▲ 0.50% · 4.625%
HK$22,126
+HK$1,269/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,714/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,834
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,420
−HK$594/mo
Today · 4.125%
HK$23,014
baseline
▲ 0.50% · 4.625%
HK$24,227
+HK$1,213/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,028/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,551
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,284
−HK$744/mo
Today · 4.125%
HK$25,028
baseline
▲ 0.50% · 4.625%
HK$26,551
+HK$1,523/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,056/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,201
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,903
−HK$713/mo
Today · 4.125%
HK$27,616
baseline
▲ 0.50% · 4.625%
HK$29,072
+HK$1,456/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,232/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,477
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,331
−HK$869/mo
Today · 4.125%
HK$29,200
baseline
▲ 0.50% · 4.625%
HK$30,976
+HK$1,776/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,400/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,568
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,387
−HK$832/mo
Today · 4.125%
HK$32,219
baseline
▲ 0.50% · 4.625%
HK$33,917
+HK$1,698/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,438/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,327
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,426
−HK$1,116/mo
Today · 4.125%
HK$37,542
baseline
▲ 0.50% · 4.625%
HK$39,827
+HK$2,285/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,084/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,301
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,355
−HK$1,069/mo
Today · 4.125%
HK$41,424
baseline
▲ 0.50% · 4.625%
HK$43,608
+HK$2,184/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,848/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,211 · 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).