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$19,591
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,200
−HK$619/mo
Today · 4.125%
HK$20,819
baseline
▲ 0.50% · 4.625%
HK$22,086
+HK$1,267/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,638/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,795
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,379
−HK$593/mo
Today · 4.125%
HK$22,972
baseline
▲ 0.50% · 4.625%
HK$24,183
+HK$1,211/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,944/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,509
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,240
−HK$743/mo
Today · 4.125%
HK$24,983
baseline
▲ 0.50% · 4.625%
HK$26,503
+HK$1,520/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$49,966/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,154
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,855
−HK$712/mo
Today · 4.125%
HK$27,567
baseline
▲ 0.50% · 4.625%
HK$29,020
+HK$1,453/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$55,134/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,427
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,280
−HK$867/mo
Today · 4.125%
HK$29,147
baseline
▲ 0.50% · 4.625%
HK$30,921
+HK$1,774/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,294/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,512
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,331
−HK$830/mo
Today · 4.125%
HK$32,161
baseline
▲ 0.50% · 4.625%
HK$33,856
+HK$1,695/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,322/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,264
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,360
−HK$1,115/mo
Today · 4.125%
HK$37,475
baseline
▲ 0.50% · 4.625%
HK$39,755
+HK$2,280/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,950/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,230
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,282
−HK$1,068/mo
Today · 4.125%
HK$41,350
baseline
▲ 0.50% · 4.625%
HK$43,529
+HK$2,179/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,700/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,746 · 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).