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$19,587
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,196
−HK$619/mo
Today · 4.125%
HK$20,815
baseline
▲ 0.50% · 4.625%
HK$22,081
+HK$1,266/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,630/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,790
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,374
−HK$593/mo
Today · 4.125%
HK$22,967
baseline
▲ 0.50% · 4.625%
HK$24,178
+HK$1,211/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,934/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,504
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,235
−HK$743/mo
Today · 4.125%
HK$24,978
baseline
▲ 0.50% · 4.625%
HK$26,498
+HK$1,520/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$49,956/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,148
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,849
−HK$711/mo
Today · 4.125%
HK$27,560
baseline
▲ 0.50% · 4.625%
HK$29,013
+HK$1,453/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$55,120/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,421
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,274
−HK$867/mo
Today · 4.125%
HK$29,141
baseline
▲ 0.50% · 4.625%
HK$30,914
+HK$1,773/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,282/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,506
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,324
−HK$830/mo
Today · 4.125%
HK$32,154
baseline
▲ 0.50% · 4.625%
HK$33,849
+HK$1,695/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,308/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,256
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,352
−HK$1,115/mo
Today · 4.125%
HK$37,467
baseline
▲ 0.50% · 4.625%
HK$39,746
+HK$2,279/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,934/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,222
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,274
−HK$1,067/mo
Today · 4.125%
HK$41,341
baseline
▲ 0.50% · 4.625%
HK$43,520
+HK$2,179/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,682/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,689 · 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).