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$19,623
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,233
−HK$620/mo
Today · 4.125%
HK$20,853
baseline
▲ 0.50% · 4.625%
HK$22,122
+HK$1,269/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,706/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,830
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,416
−HK$594/mo
Today · 4.125%
HK$23,010
baseline
▲ 0.50% · 4.625%
HK$24,223
+HK$1,213/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,020/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,548
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,280
−HK$744/mo
Today · 4.125%
HK$25,024
baseline
▲ 0.50% · 4.625%
HK$26,547
+HK$1,523/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,048/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,196
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,899
−HK$713/mo
Today · 4.125%
HK$27,612
baseline
▲ 0.50% · 4.625%
HK$29,067
+HK$1,455/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,224/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,472
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,327
−HK$868/mo
Today · 4.125%
HK$29,195
baseline
▲ 0.50% · 4.625%
HK$30,971
+HK$1,776/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,390/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,562
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,382
−HK$832/mo
Today · 4.125%
HK$32,214
baseline
▲ 0.50% · 4.625%
HK$33,912
+HK$1,698/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,428/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,321
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,420
−HK$1,116/mo
Today · 4.125%
HK$37,536
baseline
▲ 0.50% · 4.625%
HK$39,820
+HK$2,284/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,072/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,295
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,348
−HK$1,070/mo
Today · 4.125%
HK$41,418
baseline
▲ 0.50% · 4.625%
HK$43,601
+HK$2,183/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,836/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,168 · 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).