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$19,568
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,177
−HK$618/mo
Today · 4.125%
HK$20,795
baseline
▲ 0.50% · 4.625%
HK$22,061
+HK$1,266/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,590/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,770
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,353
−HK$593/mo
Today · 4.125%
HK$22,946
baseline
▲ 0.50% · 4.625%
HK$24,155
+HK$1,209/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,892/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,482
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,212
−HK$742/mo
Today · 4.125%
HK$24,954
baseline
▲ 0.50% · 4.625%
HK$26,473
+HK$1,519/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,908/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,123
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,824
−HK$711/mo
Today · 4.125%
HK$27,535
baseline
▲ 0.50% · 4.625%
HK$28,986
+HK$1,451/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,070/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,396
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,248
−HK$866/mo
Today · 4.125%
HK$29,114
baseline
▲ 0.50% · 4.625%
HK$30,885
+HK$1,771/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$58,228/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,477
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,295
−HK$829/mo
Today · 4.125%
HK$32,124
baseline
▲ 0.50% · 4.625%
HK$33,817
+HK$1,693/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$64,248/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,223
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,319
−HK$1,113/mo
Today · 4.125%
HK$37,432
baseline
▲ 0.50% · 4.625%
HK$39,709
+HK$2,277/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,864/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,185
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,236
−HK$1,066/mo
Today · 4.125%
HK$41,302
baseline
▲ 0.50% · 4.625%
HK$43,479
+HK$2,177/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,604/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,449 · 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).