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$19,609
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,219
−HK$620/mo
Today · 4.125%
HK$20,839
baseline
▲ 0.50% · 4.625%
HK$22,107
+HK$1,268/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,678/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,815
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,400
−HK$594/mo
Today · 4.125%
HK$22,994
baseline
▲ 0.50% · 4.625%
HK$24,206
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,988/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,531
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,263
−HK$744/mo
Today · 4.125%
HK$25,007
baseline
▲ 0.50% · 4.625%
HK$26,529
+HK$1,522/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,014/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,178
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,880
−HK$713/mo
Today · 4.125%
HK$27,593
baseline
▲ 0.50% · 4.625%
HK$29,047
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,186/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,453
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,307
−HK$868/mo
Today · 4.125%
HK$29,175
baseline
▲ 0.50% · 4.625%
HK$30,950
+HK$1,775/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,350/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,541
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,361
−HK$831/mo
Today · 4.125%
HK$32,192
baseline
▲ 0.50% · 4.625%
HK$33,888
+HK$1,696/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,384/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,297
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,395
−HK$1,115/mo
Today · 4.125%
HK$37,510
baseline
▲ 0.50% · 4.625%
HK$39,793
+HK$2,283/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,020/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,268
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,321
−HK$1,068/mo
Today · 4.125%
HK$41,389
baseline
▲ 0.50% · 4.625%
HK$43,571
+HK$2,182/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,778/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,991 · 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).