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$19,617
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,227
−HK$620/mo
Today · 4.125%
HK$20,847
baseline
▲ 0.50% · 4.625%
HK$22,115
+HK$1,268/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,694/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,823
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,409
−HK$593/mo
Today · 4.125%
HK$23,002
baseline
▲ 0.50% · 4.625%
HK$24,215
+HK$1,213/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,004/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,540
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,272
−HK$744/mo
Today · 4.125%
HK$25,016
baseline
▲ 0.50% · 4.625%
HK$26,538
+HK$1,522/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,032/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,188
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,890
−HK$713/mo
Today · 4.125%
HK$27,603
baseline
▲ 0.50% · 4.625%
HK$29,058
+HK$1,455/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,206/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,463
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,318
−HK$868/mo
Today · 4.125%
HK$29,186
baseline
▲ 0.50% · 4.625%
HK$30,962
+HK$1,776/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,372/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,553
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,372
−HK$831/mo
Today · 4.125%
HK$32,203
baseline
▲ 0.50% · 4.625%
HK$33,901
+HK$1,698/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,406/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,310
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,409
−HK$1,115/mo
Today · 4.125%
HK$37,524
baseline
▲ 0.50% · 4.625%
HK$39,808
+HK$2,284/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,048/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,282
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,336
−HK$1,068/mo
Today · 4.125%
HK$41,404
baseline
▲ 0.50% · 4.625%
HK$43,587
+HK$2,183/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,808/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,087 · 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).