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$19,570
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,179
−HK$618/mo
Today · 4.125%
HK$20,797
baseline
▲ 0.50% · 4.625%
HK$22,063
+HK$1,266/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,594/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,772
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,356
−HK$592/mo
Today · 4.125%
HK$22,948
baseline
▲ 0.50% · 4.625%
HK$24,158
+HK$1,210/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,896/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,484
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,215
−HK$742/mo
Today · 4.125%
HK$24,957
baseline
▲ 0.50% · 4.625%
HK$26,476
+HK$1,519/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,914/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,126
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,827
−HK$711/mo
Today · 4.125%
HK$27,538
baseline
▲ 0.50% · 4.625%
HK$28,989
+HK$1,451/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$257,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,398
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,251
−HK$865/mo
Today · 4.125%
HK$29,116
baseline
▲ 0.50% · 4.625%
HK$30,888
+HK$1,772/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$58,232/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,480
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,298
−HK$829/mo
Today · 4.125%
HK$32,127
baseline
▲ 0.50% · 4.625%
HK$33,821
+HK$1,694/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$64,254/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,226
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,322
−HK$1,113/mo
Today · 4.125%
HK$37,435
baseline
▲ 0.50% · 4.625%
HK$39,713
+HK$2,278/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,870/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,189
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,240
−HK$1,066/mo
Today · 4.125%
HK$41,306
baseline
▲ 0.50% · 4.625%
HK$43,484
+HK$2,178/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,612/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,475 · 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).