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$19,612
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,222
−HK$620/mo
Today · 4.125%
HK$20,842
baseline
▲ 0.50% · 4.625%
HK$22,110
+HK$1,268/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,684/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,818
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,404
−HK$593/mo
Today · 4.125%
HK$22,997
baseline
▲ 0.50% · 4.625%
HK$24,209
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,994/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,535
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,267
−HK$744/mo
Today · 4.125%
HK$25,011
baseline
▲ 0.50% · 4.625%
HK$26,532
+HK$1,521/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,022/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,182
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,884
−HK$713/mo
Today · 4.125%
HK$27,597
baseline
▲ 0.50% · 4.625%
HK$29,051
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,194/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,457
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,311
−HK$868/mo
Today · 4.125%
HK$29,179
baseline
▲ 0.50% · 4.625%
HK$30,954
+HK$1,775/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,358/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,546
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,365
−HK$831/mo
Today · 4.125%
HK$32,196
baseline
▲ 0.50% · 4.625%
HK$33,893
+HK$1,697/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,392/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,302
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,400
−HK$1,116/mo
Today · 4.125%
HK$37,516
baseline
▲ 0.50% · 4.625%
HK$39,799
+HK$2,283/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,032/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,273
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,327
−HK$1,068/mo
Today · 4.125%
HK$41,395
baseline
▲ 0.50% · 4.625%
HK$43,577
+HK$2,182/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,790/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,028 · 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).