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$19,596
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,206
−HK$619/mo
Today · 4.125%
HK$20,825
baseline
▲ 0.50% · 4.625%
HK$22,092
+HK$1,267/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,650/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,801
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,385
−HK$593/mo
Today · 4.125%
HK$22,978
baseline
▲ 0.50% · 4.625%
HK$24,190
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,956/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,515
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,247
−HK$743/mo
Today · 4.125%
HK$24,990
baseline
▲ 0.50% · 4.625%
HK$26,511
+HK$1,521/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$49,980/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,161
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,862
−HK$712/mo
Today · 4.125%
HK$27,574
baseline
▲ 0.50% · 4.625%
HK$29,028
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,148/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,435
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,288
−HK$867/mo
Today · 4.125%
HK$29,155
baseline
▲ 0.50% · 4.625%
HK$30,929
+HK$1,774/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,310/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,521
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,339
−HK$831/mo
Today · 4.125%
HK$32,170
baseline
▲ 0.50% · 4.625%
HK$33,865
+HK$1,695/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,340/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,273
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,370
−HK$1,115/mo
Today · 4.125%
HK$37,485
baseline
▲ 0.50% · 4.625%
HK$39,766
+HK$2,281/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,970/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,241
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,294
−HK$1,067/mo
Today · 4.125%
HK$41,361
baseline
▲ 0.50% · 4.625%
HK$43,541
+HK$2,180/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,722/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,817 · 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).