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$19,588
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,197
−HK$619/mo
Today · 4.125%
HK$20,816
baseline
▲ 0.50% · 4.625%
HK$22,083
+HK$1,267/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,632/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,791
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,376
−HK$593/mo
Today · 4.125%
HK$22,969
baseline
▲ 0.50% · 4.625%
HK$24,179
+HK$1,210/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,938/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,505
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,236
−HK$743/mo
Today · 4.125%
HK$24,979
baseline
▲ 0.50% · 4.625%
HK$26,499
+HK$1,520/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$49,958/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,149
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,851
−HK$711/mo
Today · 4.125%
HK$27,562
baseline
▲ 0.50% · 4.625%
HK$29,015
+HK$1,453/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$55,124/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,423
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,276
−HK$867/mo
Today · 4.125%
HK$29,143
baseline
▲ 0.50% · 4.625%
HK$30,916
+HK$1,773/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,286/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,508
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,326
−HK$830/mo
Today · 4.125%
HK$32,156
baseline
▲ 0.50% · 4.625%
HK$33,851
+HK$1,695/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,312/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,258
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,355
−HK$1,114/mo
Today · 4.125%
HK$37,469
baseline
▲ 0.50% · 4.625%
HK$39,749
+HK$2,280/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,938/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,224
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,276
−HK$1,067/mo
Today · 4.125%
HK$41,343
baseline
▲ 0.50% · 4.625%
HK$43,523
+HK$2,180/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,686/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,705 · 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).