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$19,601
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,210
−HK$620/mo
Today · 4.125%
HK$20,830
baseline
▲ 0.50% · 4.625%
HK$22,097
+HK$1,267/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,660/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,805
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,390
−HK$593/mo
Today · 4.125%
HK$22,983
baseline
▲ 0.50% · 4.625%
HK$24,195
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,966/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,521
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,252
−HK$744/mo
Today · 4.125%
HK$24,996
baseline
▲ 0.50% · 4.625%
HK$26,516
+HK$1,520/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$49,992/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,166
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,868
−HK$712/mo
Today · 4.125%
HK$27,580
baseline
▲ 0.50% · 4.625%
HK$29,034
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,160/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,441
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,294
−HK$867/mo
Today · 4.125%
HK$29,161
baseline
▲ 0.50% · 4.625%
HK$30,936
+HK$1,775/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,322/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,528
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,346
−HK$831/mo
Today · 4.125%
HK$32,177
baseline
▲ 0.50% · 4.625%
HK$33,873
+HK$1,696/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,354/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,281
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,378
−HK$1,115/mo
Today · 4.125%
HK$37,493
baseline
▲ 0.50% · 4.625%
HK$39,775
+HK$2,282/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$74,986/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,250
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,302
−HK$1,068/mo
Today · 4.125%
HK$41,370
baseline
▲ 0.50% · 4.625%
HK$43,551
+HK$2,181/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,740/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,873 · 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).