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$19,572
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,181
−HK$618/mo
Today · 4.125%
HK$20,799
baseline
▲ 0.50% · 4.625%
HK$22,065
+HK$1,266/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,598/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,774
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,357
−HK$593/mo
Today · 4.125%
HK$22,950
baseline
▲ 0.50% · 4.625%
HK$24,160
+HK$1,210/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,900/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,486
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,217
−HK$742/mo
Today · 4.125%
HK$24,959
baseline
▲ 0.50% · 4.625%
HK$26,478
+HK$1,519/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,918/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,128
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,829
−HK$711/mo
Today · 4.125%
HK$27,540
baseline
▲ 0.50% · 4.625%
HK$28,992
+HK$1,452/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,080/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,401
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,253
−HK$866/mo
Today · 4.125%
HK$29,119
baseline
▲ 0.50% · 4.625%
HK$30,891
+HK$1,772/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$58,238/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,483
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,300
−HK$830/mo
Today · 4.125%
HK$32,130
baseline
▲ 0.50% · 4.625%
HK$33,823
+HK$1,693/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$64,260/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,229
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,325
−HK$1,114/mo
Today · 4.125%
HK$37,439
baseline
▲ 0.50% · 4.625%
HK$39,717
+HK$2,278/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,878/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,192
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,243
−HK$1,067/mo
Today · 4.125%
HK$41,310
baseline
▲ 0.50% · 4.625%
HK$43,487
+HK$2,177/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,620/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,496 · 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).