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$19,564
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,173
−HK$618/mo
Today · 4.125%
HK$20,791
baseline
▲ 0.50% · 4.625%
HK$22,056
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,582/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,765
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,349
−HK$592/mo
Today · 4.125%
HK$22,941
baseline
▲ 0.50% · 4.625%
HK$24,150
+HK$1,209/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,882/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,477
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,208
−HK$742/mo
Today · 4.125%
HK$24,950
baseline
▲ 0.50% · 4.625%
HK$26,468
+HK$1,518/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,900/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,118
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,819
−HK$710/mo
Today · 4.125%
HK$27,529
baseline
▲ 0.50% · 4.625%
HK$28,980
+HK$1,451/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,058/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,390
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,242
−HK$866/mo
Today · 4.125%
HK$29,108
baseline
▲ 0.50% · 4.625%
HK$30,879
+HK$1,771/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$58,216/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,471
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,289
−HK$829/mo
Today · 4.125%
HK$32,118
baseline
▲ 0.50% · 4.625%
HK$33,811
+HK$1,693/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$64,236/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,216
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,311
−HK$1,113/mo
Today · 4.125%
HK$37,424
baseline
▲ 0.50% · 4.625%
HK$39,701
+HK$2,277/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,848/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,177
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,228
−HK$1,066/mo
Today · 4.125%
HK$41,294
baseline
▲ 0.50% · 4.625%
HK$43,471
+HK$2,177/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,588/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,398 · 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).