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$19,584
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,194
−HK$619/mo
Today · 4.125%
HK$20,813
baseline
▲ 0.50% · 4.625%
HK$22,079
+HK$1,266/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,626/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,788
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,372
−HK$593/mo
Today · 4.125%
HK$22,965
baseline
▲ 0.50% · 4.625%
HK$24,175
+HK$1,210/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,930/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,501
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,232
−HK$743/mo
Today · 4.125%
HK$24,975
baseline
▲ 0.50% · 4.625%
HK$26,495
+HK$1,520/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$49,950/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,145
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,846
−HK$712/mo
Today · 4.125%
HK$27,558
baseline
▲ 0.50% · 4.625%
HK$29,010
+HK$1,452/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$55,116/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,418
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,271
−HK$867/mo
Today · 4.125%
HK$29,138
baseline
▲ 0.50% · 4.625%
HK$30,911
+HK$1,773/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,276/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,503
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,321
−HK$829/mo
Today · 4.125%
HK$32,150
baseline
▲ 0.50% · 4.625%
HK$33,845
+HK$1,695/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,300/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,252
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,349
−HK$1,114/mo
Today · 4.125%
HK$37,463
baseline
▲ 0.50% · 4.625%
HK$39,742
+HK$2,279/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,926/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,218
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,269
−HK$1,067/mo
Today · 4.125%
HK$41,336
baseline
▲ 0.50% · 4.625%
HK$43,515
+HK$2,179/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,672/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,662 · 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).