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$19,582
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,191
−HK$619/mo
Today · 4.125%
HK$20,810
baseline
▲ 0.50% · 4.625%
HK$22,076
+HK$1,266/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,620/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,785
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,369
−HK$593/mo
Today · 4.125%
HK$22,962
baseline
▲ 0.50% · 4.625%
HK$24,172
+HK$1,210/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,924/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,498
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,229
−HK$743/mo
Today · 4.125%
HK$24,972
baseline
▲ 0.50% · 4.625%
HK$26,491
+HK$1,519/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$49,944/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,142
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,843
−HK$711/mo
Today · 4.125%
HK$27,554
baseline
▲ 0.50% · 4.625%
HK$29,006
+HK$1,452/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$55,108/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,415
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,267
−HK$867/mo
Today · 4.125%
HK$29,134
baseline
▲ 0.50% · 4.625%
HK$30,907
+HK$1,773/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,268/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,499
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,317
−HK$829/mo
Today · 4.125%
HK$32,146
baseline
▲ 0.50% · 4.625%
HK$33,841
+HK$1,695/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,292/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,247
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,344
−HK$1,114/mo
Today · 4.125%
HK$37,458
baseline
▲ 0.50% · 4.625%
HK$39,737
+HK$2,279/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,916/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,212
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,264
−HK$1,067/mo
Today · 4.125%
HK$41,331
baseline
▲ 0.50% · 4.625%
HK$43,510
+HK$2,179/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,662/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,628 · 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).