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$19,563
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,171
−HK$619/mo
Today · 4.125%
HK$20,790
baseline
▲ 0.50% · 4.625%
HK$22,055
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,580/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,764
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,347
−HK$592/mo
Today · 4.125%
HK$22,939
baseline
▲ 0.50% · 4.625%
HK$24,149
+HK$1,210/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$257,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,476
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,206
−HK$742/mo
Today · 4.125%
HK$24,948
baseline
▲ 0.50% · 4.625%
HK$26,466
+HK$1,518/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,896/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,116
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,817
−HK$710/mo
Today · 4.125%
HK$27,527
baseline
▲ 0.50% · 4.625%
HK$28,978
+HK$1,451/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,054/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,388
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,240
−HK$866/mo
Today · 4.125%
HK$29,106
baseline
▲ 0.50% · 4.625%
HK$30,877
+HK$1,771/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$58,212/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,469
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,286
−HK$829/mo
Today · 4.125%
HK$32,115
baseline
▲ 0.50% · 4.625%
HK$33,808
+HK$1,693/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$64,230/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,213
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,309
−HK$1,112/mo
Today · 4.125%
HK$37,421
baseline
▲ 0.50% · 4.625%
HK$39,698
+HK$2,277/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,842/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,174
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,225
−HK$1,066/mo
Today · 4.125%
HK$41,291
baseline
▲ 0.50% · 4.625%
HK$43,467
+HK$2,176/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,582/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,379 · 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).