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$19,628
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,238
−HK$621/mo
Today · 4.125%
HK$20,859
baseline
▲ 0.50% · 4.625%
HK$22,128
+HK$1,269/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,718/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,836
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,421
−HK$594/mo
Today · 4.125%
HK$23,015
baseline
▲ 0.50% · 4.625%
HK$24,229
+HK$1,214/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,030/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,553
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,286
−HK$744/mo
Today · 4.125%
HK$25,030
baseline
▲ 0.50% · 4.625%
HK$26,553
+HK$1,523/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,060/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,203
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,906
−HK$712/mo
Today · 4.125%
HK$27,618
baseline
▲ 0.50% · 4.625%
HK$29,074
+HK$1,456/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,236/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,479
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,334
−HK$868/mo
Today · 4.125%
HK$29,202
baseline
▲ 0.50% · 4.625%
HK$30,979
+HK$1,777/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,404/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,570
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,390
−HK$831/mo
Today · 4.125%
HK$32,221
baseline
▲ 0.50% · 4.625%
HK$33,920
+HK$1,699/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,442/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,330
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,429
−HK$1,116/mo
Today · 4.125%
HK$37,545
baseline
▲ 0.50% · 4.625%
HK$39,830
+HK$2,285/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,090/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,304
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,358
−HK$1,070/mo
Today · 4.125%
HK$41,428
baseline
▲ 0.50% · 4.625%
HK$43,611
+HK$2,183/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,856/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,231 · 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).