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$258,214 · 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$258,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,552
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,284
−HK$745/mo
Today · 4.125%
HK$25,029
baseline
▲ 0.50% · 4.625%
HK$26,552
+HK$1,523/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,058/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,201
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,904
−HK$713/mo
Today · 4.125%
HK$27,617
baseline
▲ 0.50% · 4.625%
HK$29,072
+HK$1,455/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,234/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,477
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,332
−HK$868/mo
Today · 4.125%
HK$29,200
baseline
▲ 0.50% · 4.625%
HK$30,977
+HK$1,777/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$258,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,568
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,388
−HK$831/mo
Today · 4.125%
HK$32,219
baseline
▲ 0.50% · 4.625%
HK$33,918
+HK$1,699/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$258,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,328
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,426
−HK$1,117/mo
Today · 4.125%
HK$37,543
baseline
▲ 0.50% · 4.625%
HK$39,827
+HK$2,284/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,086/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,302
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,356
−HK$1,069/mo
Today · 4.125%
HK$41,425
baseline
▲ 0.50% · 4.625%
HK$43,608
+HK$2,183/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,850/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,214 · 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).