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$19,580
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,189
−HK$619/mo
Today · 4.125%
HK$20,808
baseline
▲ 0.50% · 4.625%
HK$22,074
+HK$1,266/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,616/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,782
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,367
−HK$592/mo
Today · 4.125%
HK$22,959
baseline
▲ 0.50% · 4.625%
HK$24,169
+HK$1,210/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,918/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,496
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,227
−HK$742/mo
Today · 4.125%
HK$24,969
baseline
▲ 0.50% · 4.625%
HK$26,488
+HK$1,519/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,938/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,139
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,840
−HK$711/mo
Today · 4.125%
HK$27,551
baseline
▲ 0.50% · 4.625%
HK$29,003
+HK$1,452/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,102/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,412
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,264
−HK$867/mo
Today · 4.125%
HK$29,131
baseline
▲ 0.50% · 4.625%
HK$30,903
+HK$1,772/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,262/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,495
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,313
−HK$830/mo
Today · 4.125%
HK$32,143
baseline
▲ 0.50% · 4.625%
HK$33,837
+HK$1,694/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,286/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,244
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,340
−HK$1,114/mo
Today · 4.125%
HK$37,454
baseline
▲ 0.50% · 4.625%
HK$39,733
+HK$2,279/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,908/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,208
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,260
−HK$1,066/mo
Today · 4.125%
HK$41,326
baseline
▲ 0.50% · 4.625%
HK$43,505
+HK$2,179/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,652/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,600 · 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).