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$19,615
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,225
−HK$620/mo
Today · 4.125%
HK$20,845
baseline
▲ 0.50% · 4.625%
HK$22,113
+HK$1,268/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,690/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,821
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,406
−HK$594/mo
Today · 4.125%
HK$23,000
baseline
▲ 0.50% · 4.625%
HK$24,212
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,000/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,537
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,270
−HK$743/mo
Today · 4.125%
HK$25,013
baseline
▲ 0.50% · 4.625%
HK$26,535
+HK$1,522/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,026/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,185
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,887
−HK$713/mo
Today · 4.125%
HK$27,600
baseline
▲ 0.50% · 4.625%
HK$29,055
+HK$1,455/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,200/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,460
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,315
−HK$867/mo
Today · 4.125%
HK$29,182
baseline
▲ 0.50% · 4.625%
HK$30,958
+HK$1,776/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,364/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,549
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,369
−HK$831/mo
Today · 4.125%
HK$32,200
baseline
▲ 0.50% · 4.625%
HK$33,897
+HK$1,697/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,400/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,306
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,404
−HK$1,116/mo
Today · 4.125%
HK$37,520
baseline
▲ 0.50% · 4.625%
HK$39,803
+HK$2,283/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,040/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,278
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,331
−HK$1,069/mo
Today · 4.125%
HK$41,400
baseline
▲ 0.50% · 4.625%
HK$43,582
+HK$2,182/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,800/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,058 · 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).