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$19,571
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,180
−HK$618/mo
Today · 4.125%
HK$20,798
baseline
▲ 0.50% · 4.625%
HK$22,064
+HK$1,266/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,596/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,772
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,356
−HK$593/mo
Today · 4.125%
HK$22,949
baseline
▲ 0.50% · 4.625%
HK$24,158
+HK$1,209/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,898/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,485
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,215
−HK$743/mo
Today · 4.125%
HK$24,958
baseline
▲ 0.50% · 4.625%
HK$26,476
+HK$1,518/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,916/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,127
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,827
−HK$711/mo
Today · 4.125%
HK$27,538
baseline
▲ 0.50% · 4.625%
HK$28,990
+HK$1,452/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,076/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,399
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,251
−HK$866/mo
Today · 4.125%
HK$29,117
baseline
▲ 0.50% · 4.625%
HK$30,889
+HK$1,772/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$58,234/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,481
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,299
−HK$829/mo
Today · 4.125%
HK$32,128
baseline
▲ 0.50% · 4.625%
HK$33,821
+HK$1,693/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$64,256/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,227
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,323
−HK$1,113/mo
Today · 4.125%
HK$37,436
baseline
▲ 0.50% · 4.625%
HK$39,714
+HK$2,278/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,872/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,190
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,241
−HK$1,066/mo
Today · 4.125%
HK$41,307
baseline
▲ 0.50% · 4.625%
HK$43,485
+HK$2,178/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,614/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,482 · 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).