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$19,581
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,190
−HK$619/mo
Today · 4.125%
HK$20,809
baseline
▲ 0.50% · 4.625%
HK$22,075
+HK$1,266/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,618/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,784
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,368
−HK$593/mo
Today · 4.125%
HK$22,961
baseline
▲ 0.50% · 4.625%
HK$24,171
+HK$1,210/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,922/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,498
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,229
−HK$742/mo
Today · 4.125%
HK$24,971
baseline
▲ 0.50% · 4.625%
HK$26,491
+HK$1,520/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,942/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,141
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,842
−HK$711/mo
Today · 4.125%
HK$27,553
baseline
▲ 0.50% · 4.625%
HK$29,006
+HK$1,453/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,106/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,414
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,267
−HK$866/mo
Today · 4.125%
HK$29,133
baseline
▲ 0.50% · 4.625%
HK$30,906
+HK$1,773/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,266/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,498
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,316
−HK$829/mo
Today · 4.125%
HK$32,145
baseline
▲ 0.50% · 4.625%
HK$33,840
+HK$1,695/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,290/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,246
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,343
−HK$1,114/mo
Today · 4.125%
HK$37,457
baseline
▲ 0.50% · 4.625%
HK$39,736
+HK$2,279/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,914/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,211
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,263
−HK$1,067/mo
Today · 4.125%
HK$41,330
baseline
▲ 0.50% · 4.625%
HK$43,508
+HK$2,178/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,660/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,621 · 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).