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$19,598
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,207
−HK$620/mo
Today · 4.125%
HK$20,827
baseline
▲ 0.50% · 4.625%
HK$22,094
+HK$1,267/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,654/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,802
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,387
−HK$593/mo
Today · 4.125%
HK$22,980
baseline
▲ 0.50% · 4.625%
HK$24,191
+HK$1,211/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,960/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,517
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,249
−HK$743/mo
Today · 4.125%
HK$24,992
baseline
▲ 0.50% · 4.625%
HK$26,513
+HK$1,521/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$49,984/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,163
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,864
−HK$712/mo
Today · 4.125%
HK$27,576
baseline
▲ 0.50% · 4.625%
HK$29,030
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,152/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,437
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,290
−HK$867/mo
Today · 4.125%
HK$29,157
baseline
▲ 0.50% · 4.625%
HK$30,931
+HK$1,774/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,314/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,523
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,342
−HK$830/mo
Today · 4.125%
HK$32,172
baseline
▲ 0.50% · 4.625%
HK$33,868
+HK$1,696/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,344/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,276
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,373
−HK$1,115/mo
Today · 4.125%
HK$37,488
baseline
▲ 0.50% · 4.625%
HK$39,769
+HK$2,281/mo
Deposit HK$859K · loan HK$7.74M · min. income ≈ HK$74,976/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,244
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,297
−HK$1,067/mo
Today · 4.125%
HK$41,364
baseline
▲ 0.50% · 4.625%
HK$43,545
+HK$2,181/mo
Deposit HK$859K · loan HK$7.74M · min. income ≈ HK$82,728/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,836 · 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).