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$19,566
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,175
−HK$618/mo
Today · 4.125%
HK$20,793
baseline
▲ 0.50% · 4.625%
HK$22,059
+HK$1,266/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,586/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,767
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,351
−HK$592/mo
Today · 4.125%
HK$22,943
baseline
▲ 0.50% · 4.625%
HK$24,153
+HK$1,210/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,886/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,480
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,210
−HK$742/mo
Today · 4.125%
HK$24,952
baseline
▲ 0.50% · 4.625%
HK$26,470
+HK$1,518/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,904/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,121
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,821
−HK$711/mo
Today · 4.125%
HK$27,532
baseline
▲ 0.50% · 4.625%
HK$28,983
+HK$1,451/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,064/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,393
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,245
−HK$866/mo
Today · 4.125%
HK$29,111
baseline
▲ 0.50% · 4.625%
HK$30,882
+HK$1,771/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$58,222/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,474
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,292
−HK$829/mo
Today · 4.125%
HK$32,121
baseline
▲ 0.50% · 4.625%
HK$33,814
+HK$1,693/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$64,242/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,219
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,315
−HK$1,113/mo
Today · 4.125%
HK$37,428
baseline
▲ 0.50% · 4.625%
HK$39,705
+HK$2,277/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,856/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,181
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,232
−HK$1,066/mo
Today · 4.125%
HK$41,298
baseline
▲ 0.50% · 4.625%
HK$43,475
+HK$2,177/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,596/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,424 · 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).