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$19,569
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,178
−HK$618/mo
Today · 4.125%
HK$20,796
baseline
▲ 0.50% · 4.625%
HK$22,061
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,592/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,770
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,354
−HK$592/mo
Today · 4.125%
HK$22,946
baseline
▲ 0.50% · 4.625%
HK$24,156
+HK$1,210/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$257,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,483
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,213
−HK$742/mo
Today · 4.125%
HK$24,955
baseline
▲ 0.50% · 4.625%
HK$26,474
+HK$1,519/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,910/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,124
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,825
−HK$711/mo
Today · 4.125%
HK$27,536
baseline
▲ 0.50% · 4.625%
HK$28,987
+HK$1,451/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,072/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,396
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,249
−HK$865/mo
Today · 4.125%
HK$29,114
baseline
▲ 0.50% · 4.625%
HK$30,886
+HK$1,772/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$257,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,478
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,296
−HK$829/mo
Today · 4.125%
HK$32,125
baseline
▲ 0.50% · 4.625%
HK$33,818
+HK$1,693/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$64,250/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,224
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,320
−HK$1,113/mo
Today · 4.125%
HK$37,433
baseline
▲ 0.50% · 4.625%
HK$39,711
+HK$2,278/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,866/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,186
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,237
−HK$1,066/mo
Today · 4.125%
HK$41,303
baseline
▲ 0.50% · 4.625%
HK$43,481
+HK$2,178/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,606/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,457 · 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).