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$19,612
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,222
−HK$619/mo
Today · 4.125%
HK$20,841
baseline
▲ 0.50% · 4.625%
HK$22,110
+HK$1,269/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,682/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,818
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,403
−HK$593/mo
Today · 4.125%
HK$22,996
baseline
▲ 0.50% · 4.625%
HK$24,209
+HK$1,213/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,992/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,534
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,266
−HK$744/mo
Today · 4.125%
HK$25,010
baseline
▲ 0.50% · 4.625%
HK$26,531
+HK$1,521/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,020/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,181
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,883
−HK$713/mo
Today · 4.125%
HK$27,596
baseline
▲ 0.50% · 4.625%
HK$29,050
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,192/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,456
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,310
−HK$868/mo
Today · 4.125%
HK$29,178
baseline
▲ 0.50% · 4.625%
HK$30,953
+HK$1,775/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,356/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,545
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,364
−HK$831/mo
Today · 4.125%
HK$32,195
baseline
▲ 0.50% · 4.625%
HK$33,892
+HK$1,697/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,390/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,301
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,399
−HK$1,116/mo
Today · 4.125%
HK$37,515
baseline
▲ 0.50% · 4.625%
HK$39,797
+HK$2,282/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,030/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,272
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,325
−HK$1,069/mo
Today · 4.125%
HK$41,394
baseline
▲ 0.50% · 4.625%
HK$43,576
+HK$2,182/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,788/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,019 · 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).