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$19,597
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,207
−HK$619/mo
Today · 4.125%
HK$20,826
baseline
▲ 0.50% · 4.625%
HK$22,093
+HK$1,267/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,652/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,801
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,386
−HK$593/mo
Today · 4.125%
HK$22,979
baseline
▲ 0.50% · 4.625%
HK$24,191
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,958/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,516
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,248
−HK$743/mo
Today · 4.125%
HK$24,991
baseline
▲ 0.50% · 4.625%
HK$26,512
+HK$1,521/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$49,982/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,162
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,863
−HK$712/mo
Today · 4.125%
HK$27,575
baseline
▲ 0.50% · 4.625%
HK$29,029
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,150/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,436
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,289
−HK$867/mo
Today · 4.125%
HK$29,156
baseline
▲ 0.50% · 4.625%
HK$30,930
+HK$1,774/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,312/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,522
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,341
−HK$830/mo
Today · 4.125%
HK$32,171
baseline
▲ 0.50% · 4.625%
HK$33,867
+HK$1,696/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,342/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,274
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,372
−HK$1,115/mo
Today · 4.125%
HK$37,487
baseline
▲ 0.50% · 4.625%
HK$39,767
+HK$2,280/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,974/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,243
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,295
−HK$1,068/mo
Today · 4.125%
HK$41,363
baseline
▲ 0.50% · 4.625%
HK$43,543
+HK$2,180/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,726/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,826 · 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).