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$19,562
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,171
−HK$618/mo
Today · 4.125%
HK$20,789
baseline
▲ 0.50% · 4.625%
HK$22,054
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,578/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,763
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,347
−HK$592/mo
Today · 4.125%
HK$22,939
baseline
▲ 0.50% · 4.625%
HK$24,148
+HK$1,209/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,878/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,475
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,205
−HK$742/mo
Today · 4.125%
HK$24,947
baseline
▲ 0.50% · 4.625%
HK$26,465
+HK$1,518/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,894/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,116
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,816
−HK$710/mo
Today · 4.125%
HK$27,526
baseline
▲ 0.50% · 4.625%
HK$28,977
+HK$1,451/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,052/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,387
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,239
−HK$866/mo
Today · 4.125%
HK$29,105
baseline
▲ 0.50% · 4.625%
HK$30,876
+HK$1,771/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$58,210/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,468
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,285
−HK$829/mo
Today · 4.125%
HK$32,114
baseline
▲ 0.50% · 4.625%
HK$33,807
+HK$1,693/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$64,228/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,212
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,308
−HK$1,112/mo
Today · 4.125%
HK$37,420
baseline
▲ 0.50% · 4.625%
HK$39,697
+HK$2,277/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,840/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,173
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,224
−HK$1,066/mo
Today · 4.125%
HK$41,290
baseline
▲ 0.50% · 4.625%
HK$43,466
+HK$2,176/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,580/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,371 · 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).