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$19,579
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,188
−HK$618/mo
Today · 4.125%
HK$20,806
baseline
▲ 0.50% · 4.625%
HK$22,072
+HK$1,266/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,612/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,781
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,365
−HK$593/mo
Today · 4.125%
HK$22,958
baseline
▲ 0.50% · 4.625%
HK$24,168
+HK$1,210/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,916/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,494
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,225
−HK$743/mo
Today · 4.125%
HK$24,968
baseline
▲ 0.50% · 4.625%
HK$26,487
+HK$1,519/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,936/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,137
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,838
−HK$711/mo
Today · 4.125%
HK$27,549
baseline
▲ 0.50% · 4.625%
HK$29,001
+HK$1,452/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,098/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,410
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,263
−HK$866/mo
Today · 4.125%
HK$29,129
baseline
▲ 0.50% · 4.625%
HK$30,901
+HK$1,772/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,258/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,493
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,311
−HK$830/mo
Today · 4.125%
HK$32,141
baseline
▲ 0.50% · 4.625%
HK$33,835
+HK$1,694/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,282/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,241
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,338
−HK$1,113/mo
Today · 4.125%
HK$37,451
baseline
▲ 0.50% · 4.625%
HK$39,730
+HK$2,279/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,902/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,206
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,257
−HK$1,067/mo
Today · 4.125%
HK$41,324
baseline
▲ 0.50% · 4.625%
HK$43,502
+HK$2,178/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,648/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,585 · 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).