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$19,616
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,226
−HK$620/mo
Today · 4.125%
HK$20,846
baseline
▲ 0.50% · 4.625%
HK$22,114
+HK$1,268/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,692/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,822
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,408
−HK$593/mo
Today · 4.125%
HK$23,001
baseline
▲ 0.50% · 4.625%
HK$24,214
+HK$1,213/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,002/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,539
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,271
−HK$744/mo
Today · 4.125%
HK$25,015
baseline
▲ 0.50% · 4.625%
HK$26,537
+HK$1,522/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,030/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,187
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,889
−HK$713/mo
Today · 4.125%
HK$27,602
baseline
▲ 0.50% · 4.625%
HK$29,056
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,204/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,462
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,316
−HK$868/mo
Today · 4.125%
HK$29,184
baseline
▲ 0.50% · 4.625%
HK$30,960
+HK$1,776/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,368/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,551
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,371
−HK$831/mo
Today · 4.125%
HK$32,202
baseline
▲ 0.50% · 4.625%
HK$33,899
+HK$1,697/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,404/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,308
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,407
−HK$1,115/mo
Today · 4.125%
HK$37,522
baseline
▲ 0.50% · 4.625%
HK$39,806
+HK$2,284/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,044/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,280
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,334
−HK$1,068/mo
Today · 4.125%
HK$41,402
baseline
▲ 0.50% · 4.625%
HK$43,585
+HK$2,183/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,804/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,073 · 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).