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$19,605
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,215
−HK$619/mo
Today · 4.125%
HK$20,834
baseline
▲ 0.50% · 4.625%
HK$22,102
+HK$1,268/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,668/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,810
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,395
−HK$594/mo
Today · 4.125%
HK$22,989
baseline
▲ 0.50% · 4.625%
HK$24,201
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,978/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,526
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,258
−HK$743/mo
Today · 4.125%
HK$25,001
baseline
▲ 0.50% · 4.625%
HK$26,523
+HK$1,522/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,002/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,173
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,874
−HK$713/mo
Today · 4.125%
HK$27,587
baseline
▲ 0.50% · 4.625%
HK$29,041
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,174/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,447
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,301
−HK$867/mo
Today · 4.125%
HK$29,168
baseline
▲ 0.50% · 4.625%
HK$30,943
+HK$1,775/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,336/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,535
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,354
−HK$830/mo
Today · 4.125%
HK$32,184
baseline
▲ 0.50% · 4.625%
HK$33,881
+HK$1,697/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,368/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,289
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,387
−HK$1,115/mo
Today · 4.125%
HK$37,502
baseline
▲ 0.50% · 4.625%
HK$39,784
+HK$2,282/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,004/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,259
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,312
−HK$1,068/mo
Today · 4.125%
HK$41,380
baseline
▲ 0.50% · 4.625%
HK$43,561
+HK$2,181/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,760/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,933 · 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).