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$19,622
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,232
−HK$621/mo
Today · 4.125%
HK$20,853
baseline
▲ 0.50% · 4.625%
HK$22,121
+HK$1,268/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,706/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,829
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,415
−HK$594/mo
Today · 4.125%
HK$23,009
baseline
▲ 0.50% · 4.625%
HK$24,222
+HK$1,213/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,018/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,547
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,279
−HK$744/mo
Today · 4.125%
HK$25,023
baseline
▲ 0.50% · 4.625%
HK$26,546
+HK$1,523/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,046/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,195
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,898
−HK$713/mo
Today · 4.125%
HK$27,611
baseline
▲ 0.50% · 4.625%
HK$29,066
+HK$1,455/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,222/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,471
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,325
−HK$869/mo
Today · 4.125%
HK$29,194
baseline
▲ 0.50% · 4.625%
HK$30,970
+HK$1,776/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,388/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,561
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,381
−HK$831/mo
Today · 4.125%
HK$32,212
baseline
▲ 0.50% · 4.625%
HK$33,910
+HK$1,698/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,424/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,320
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,418
−HK$1,117/mo
Today · 4.125%
HK$37,535
baseline
▲ 0.50% · 4.625%
HK$39,819
+HK$2,284/mo
Deposit HK$861K · loan HK$7.74M · min. income ≈ HK$75,070/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,293
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,347
−HK$1,069/mo
Today · 4.125%
HK$41,416
baseline
▲ 0.50% · 4.625%
HK$43,599
+HK$2,183/mo
Deposit HK$861K · loan HK$7.74M · min. income ≈ HK$82,832/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,157 · 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).