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$19,629
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,240
−HK$620/mo
Today · 4.125%
HK$20,860
baseline
▲ 0.50% · 4.625%
HK$22,129
+HK$1,269/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,720/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,837
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,423
−HK$594/mo
Today · 4.125%
HK$23,017
baseline
▲ 0.50% · 4.625%
HK$24,230
+HK$1,213/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,034/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,555
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,288
−HK$744/mo
Today · 4.125%
HK$25,032
baseline
▲ 0.50% · 4.625%
HK$26,555
+HK$1,523/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$50,064/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,205
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,908
−HK$713/mo
Today · 4.125%
HK$27,621
baseline
▲ 0.50% · 4.625%
HK$29,077
+HK$1,456/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$55,242/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,481
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,336
−HK$868/mo
Today · 4.125%
HK$29,204
baseline
▲ 0.50% · 4.625%
HK$30,981
+HK$1,777/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,408/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,572
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,392
−HK$832/mo
Today · 4.125%
HK$32,224
baseline
▲ 0.50% · 4.625%
HK$33,923
+HK$1,699/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,448/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,333
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,432
−HK$1,116/mo
Today · 4.125%
HK$37,548
baseline
▲ 0.50% · 4.625%
HK$39,833
+HK$2,285/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,096/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,307
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,361
−HK$1,070/mo
Today · 4.125%
HK$41,431
baseline
▲ 0.50% · 4.625%
HK$43,615
+HK$2,184/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,862/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,251 · 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).