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$1,231/mo
▼ 0.25% · 3.875%
HK$20,234
−HK$620/mo
Today · 4.125%
HK$20,854
baseline
▲ 0.50% · 4.625%
HK$22,123
+HK$1,269/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,708/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,831
−HK$1,179/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$258,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,548
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,281
−HK$744/mo
Today · 4.125%
HK$25,025
baseline
▲ 0.50% · 4.625%
HK$26,547
+HK$1,522/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,050/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,197
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,900
−HK$712/mo
Today · 4.125%
HK$27,612
baseline
▲ 0.50% · 4.625%
HK$29,068
+HK$1,456/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$258,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,473
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,327
−HK$869/mo
Today · 4.125%
HK$29,196
baseline
▲ 0.50% · 4.625%
HK$30,972
+HK$1,776/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,392/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,563
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,383
−HK$831/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$258,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,322
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,421
−HK$1,116/mo
Today · 4.125%
HK$37,537
baseline
▲ 0.50% · 4.625%
HK$39,821
+HK$2,284/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,074/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,296
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,349
−HK$1,070/mo
Today · 4.125%
HK$41,419
baseline
▲ 0.50% · 4.625%
HK$43,602
+HK$2,183/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,838/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,174 · 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).