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$19,583
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,193
−HK$619/mo
Today · 4.125%
HK$20,812
baseline
▲ 0.50% · 4.625%
HK$22,078
+HK$1,266/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,624/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,786
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,371
−HK$593/mo
Today · 4.125%
HK$22,964
baseline
▲ 0.50% · 4.625%
HK$24,174
+HK$1,210/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,928/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,500
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,231
−HK$743/mo
Today · 4.125%
HK$24,974
baseline
▲ 0.50% · 4.625%
HK$26,493
+HK$1,519/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$49,948/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,144
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,845
−HK$711/mo
Today · 4.125%
HK$27,556
baseline
▲ 0.50% · 4.625%
HK$29,009
+HK$1,453/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$55,112/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,417
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,270
−HK$866/mo
Today · 4.125%
HK$29,136
baseline
▲ 0.50% · 4.625%
HK$30,909
+HK$1,773/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,272/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,501
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,319
−HK$830/mo
Today · 4.125%
HK$32,149
baseline
▲ 0.50% · 4.625%
HK$33,844
+HK$1,695/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,298/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,250
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,347
−HK$1,114/mo
Today · 4.125%
HK$37,461
baseline
▲ 0.50% · 4.625%
HK$39,740
+HK$2,279/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,922/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,216
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,267
−HK$1,067/mo
Today · 4.125%
HK$41,334
baseline
▲ 0.50% · 4.625%
HK$43,513
+HK$2,179/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,668/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,649 · 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).