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$19,573
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,182
−HK$618/mo
Today · 4.125%
HK$20,800
baseline
▲ 0.50% · 4.625%
HK$22,066
+HK$1,266/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,600/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,775
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,359
−HK$592/mo
Today · 4.125%
HK$22,951
baseline
▲ 0.50% · 4.625%
HK$24,161
+HK$1,210/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,902/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,487
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,218
−HK$742/mo
Today · 4.125%
HK$24,960
baseline
▲ 0.50% · 4.625%
HK$26,479
+HK$1,519/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,920/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,129
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,830
−HK$711/mo
Today · 4.125%
HK$27,541
baseline
▲ 0.50% · 4.625%
HK$28,993
+HK$1,452/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,082/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,402
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,254
−HK$866/mo
Today · 4.125%
HK$29,120
baseline
▲ 0.50% · 4.625%
HK$30,892
+HK$1,772/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,240/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,484
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,302
−HK$829/mo
Today · 4.125%
HK$32,131
baseline
▲ 0.50% · 4.625%
HK$33,825
+HK$1,694/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,262/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,231
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,327
−HK$1,113/mo
Today · 4.125%
HK$37,440
baseline
▲ 0.50% · 4.625%
HK$39,719
+HK$2,279/mo
Deposit HK$858K · loan HK$7.73M · min. income ≈ HK$74,880/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,194
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,245
−HK$1,067/mo
Today · 4.125%
HK$41,312
baseline
▲ 0.50% · 4.625%
HK$43,489
+HK$2,177/mo
Deposit HK$858K · loan HK$7.73M · min. income ≈ HK$82,624/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,508 · 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).