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$19,565
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,174
−HK$618/mo
Today · 4.125%
HK$20,792
baseline
▲ 0.50% · 4.625%
HK$22,058
+HK$1,266/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,584/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,766
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,350
−HK$592/mo
Today · 4.125%
HK$22,942
baseline
▲ 0.50% · 4.625%
HK$24,152
+HK$1,210/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,884/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,479
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,209
−HK$742/mo
Today · 4.125%
HK$24,951
baseline
▲ 0.50% · 4.625%
HK$26,469
+HK$1,518/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,902/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,120
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,820
−HK$711/mo
Today · 4.125%
HK$27,531
baseline
▲ 0.50% · 4.625%
HK$28,982
+HK$1,451/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,062/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,392
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,244
−HK$865/mo
Today · 4.125%
HK$29,109
baseline
▲ 0.50% · 4.625%
HK$30,881
+HK$1,772/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$58,218/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,473
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,290
−HK$829/mo
Today · 4.125%
HK$32,119
baseline
▲ 0.50% · 4.625%
HK$33,812
+HK$1,693/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$64,238/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,218
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,313
−HK$1,113/mo
Today · 4.125%
HK$37,426
baseline
▲ 0.50% · 4.625%
HK$39,704
+HK$2,278/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,852/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,179
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,230
−HK$1,066/mo
Today · 4.125%
HK$41,296
baseline
▲ 0.50% · 4.625%
HK$43,473
+HK$2,177/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,592/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,412 · 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).