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$19,619
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,229
−HK$620/mo
Today · 4.125%
HK$20,849
baseline
▲ 0.50% · 4.625%
HK$22,117
+HK$1,268/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,698/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,825
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,411
−HK$594/mo
Today · 4.125%
HK$23,005
baseline
▲ 0.50% · 4.625%
HK$24,217
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,010/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,542
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,275
−HK$744/mo
Today · 4.125%
HK$25,019
baseline
▲ 0.50% · 4.625%
HK$26,541
+HK$1,522/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,038/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,191
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,893
−HK$713/mo
Today · 4.125%
HK$27,606
baseline
▲ 0.50% · 4.625%
HK$29,061
+HK$1,455/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,212/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,466
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,320
−HK$868/mo
Today · 4.125%
HK$29,188
baseline
▲ 0.50% · 4.625%
HK$30,964
+HK$1,776/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,376/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,556
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,375
−HK$832/mo
Today · 4.125%
HK$32,207
baseline
▲ 0.50% · 4.625%
HK$33,904
+HK$1,697/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,414/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,313
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,412
−HK$1,116/mo
Today · 4.125%
HK$37,528
baseline
▲ 0.50% · 4.625%
HK$39,811
+HK$2,283/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,056/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,286
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,340
−HK$1,068/mo
Today · 4.125%
HK$41,408
baseline
▲ 0.50% · 4.625%
HK$43,591
+HK$2,183/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,816/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,111 · 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).