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$19,573
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,182
−HK$619/mo
Today · 4.125%
HK$20,801
baseline
▲ 0.50% · 4.625%
HK$22,067
+HK$1,266/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,602/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,775
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,359
−HK$593/mo
Today · 4.125%
HK$22,952
baseline
▲ 0.50% · 4.625%
HK$24,162
+HK$1,210/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,904/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,488
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,219
−HK$742/mo
Today · 4.125%
HK$24,961
baseline
▲ 0.50% · 4.625%
HK$26,480
+HK$1,519/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,922/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,130
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,831
−HK$711/mo
Today · 4.125%
HK$27,542
baseline
▲ 0.50% · 4.625%
HK$28,994
+HK$1,452/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,084/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,403
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,255
−HK$866/mo
Today · 4.125%
HK$29,121
baseline
▲ 0.50% · 4.625%
HK$30,893
+HK$1,772/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,242/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,485
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,303
−HK$829/mo
Today · 4.125%
HK$32,132
baseline
▲ 0.50% · 4.625%
HK$33,826
+HK$1,694/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,264/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,232
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,328
−HK$1,114/mo
Today · 4.125%
HK$37,442
baseline
▲ 0.50% · 4.625%
HK$39,720
+HK$2,278/mo
Deposit HK$858K · loan HK$7.73M · min. income ≈ HK$74,884/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,196
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,247
−HK$1,066/mo
Today · 4.125%
HK$41,313
baseline
▲ 0.50% · 4.625%
HK$43,491
+HK$2,178/mo
Deposit HK$858K · loan HK$7.73M · min. income ≈ HK$82,626/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,518 · 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).