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$19,567
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,176
−HK$618/mo
Today · 4.125%
HK$20,794
baseline
▲ 0.50% · 4.625%
HK$22,059
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,588/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,768
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,352
−HK$592/mo
Today · 4.125%
HK$22,944
baseline
▲ 0.50% · 4.625%
HK$24,153
+HK$1,209/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,888/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,480
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,211
−HK$742/mo
Today · 4.125%
HK$24,953
baseline
▲ 0.50% · 4.625%
HK$26,471
+HK$1,518/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,906/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,122
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,822
−HK$711/mo
Today · 4.125%
HK$27,533
baseline
▲ 0.50% · 4.625%
HK$28,984
+HK$1,451/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,066/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,394
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,246
−HK$866/mo
Today · 4.125%
HK$29,112
baseline
▲ 0.50% · 4.625%
HK$30,883
+HK$1,771/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$58,224/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,475
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,293
−HK$829/mo
Today · 4.125%
HK$32,122
baseline
▲ 0.50% · 4.625%
HK$33,815
+HK$1,693/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$64,244/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,220
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,316
−HK$1,113/mo
Today · 4.125%
HK$37,429
baseline
▲ 0.50% · 4.625%
HK$39,707
+HK$2,278/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,858/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,182
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,233
−HK$1,066/mo
Today · 4.125%
HK$41,299
baseline
▲ 0.50% · 4.625%
HK$43,476
+HK$2,177/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,598/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,431 · 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).