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$22,115
+HK$1,269/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$258,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,823
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,408
−HK$594/mo
Today · 4.125%
HK$23,002
baseline
▲ 0.50% · 4.625%
HK$24,214
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,004/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,539
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,272
−HK$744/mo
Today · 4.125%
HK$25,016
baseline
▲ 0.50% · 4.625%
HK$26,538
+HK$1,522/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,032/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,187
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,890
−HK$712/mo
Today · 4.125%
HK$27,602
baseline
▲ 0.50% · 4.625%
HK$29,057
+HK$1,455/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$258,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,463
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,317
−HK$868/mo
Today · 4.125%
HK$29,185
baseline
▲ 0.50% · 4.625%
HK$30,961
+HK$1,776/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,370/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,552
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,371
−HK$832/mo
Today · 4.125%
HK$32,203
baseline
▲ 0.50% · 4.625%
HK$33,900
+HK$1,697/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,406/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,309
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,408
−HK$1,115/mo
Today · 4.125%
HK$37,523
baseline
▲ 0.50% · 4.625%
HK$39,807
+HK$2,284/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,046/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,281
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,335
−HK$1,068/mo
Today · 4.125%
HK$41,403
baseline
▲ 0.50% · 4.625%
HK$43,586
+HK$2,183/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,806/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,080 · 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).