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$19,611
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,221
−HK$620/mo
Today · 4.125%
HK$20,841
baseline
▲ 0.50% · 4.625%
HK$22,109
+HK$1,268/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$258,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,817
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,402
−HK$594/mo
Today · 4.125%
HK$22,996
baseline
▲ 0.50% · 4.625%
HK$24,208
+HK$1,212/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$258,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,533
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,265
−HK$744/mo
Today · 4.125%
HK$25,009
baseline
▲ 0.50% · 4.625%
HK$26,531
+HK$1,522/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,018/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,181
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,883
−HK$712/mo
Today · 4.125%
HK$27,595
baseline
▲ 0.50% · 4.625%
HK$29,050
+HK$1,455/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,190/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,456
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,310
−HK$867/mo
Today · 4.125%
HK$29,177
baseline
▲ 0.50% · 4.625%
HK$30,953
+HK$1,776/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,354/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,544
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,363
−HK$831/mo
Today · 4.125%
HK$32,194
baseline
▲ 0.50% · 4.625%
HK$33,891
+HK$1,697/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,388/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,300
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,398
−HK$1,116/mo
Today · 4.125%
HK$37,514
baseline
▲ 0.50% · 4.625%
HK$39,796
+HK$2,282/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,028/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,271
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,324
−HK$1,069/mo
Today · 4.125%
HK$41,393
baseline
▲ 0.50% · 4.625%
HK$43,574
+HK$2,181/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,786/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,012 · 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).