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$19,569
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,178
−HK$619/mo
Today · 4.125%
HK$20,797
baseline
▲ 0.50% · 4.625%
HK$22,062
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,594/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,771
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,355
−HK$592/mo
Today · 4.125%
HK$22,947
baseline
▲ 0.50% · 4.625%
HK$24,157
+HK$1,210/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,894/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,483
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,214
−HK$742/mo
Today · 4.125%
HK$24,956
baseline
▲ 0.50% · 4.625%
HK$26,474
+HK$1,518/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,912/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,125
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,826
−HK$710/mo
Today · 4.125%
HK$27,536
baseline
▲ 0.50% · 4.625%
HK$28,988
+HK$1,452/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,072/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,397
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,249
−HK$866/mo
Today · 4.125%
HK$29,115
baseline
▲ 0.50% · 4.625%
HK$30,887
+HK$1,772/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$58,230/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,479
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,297
−HK$829/mo
Today · 4.125%
HK$32,126
baseline
▲ 0.50% · 4.625%
HK$33,819
+HK$1,693/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$64,252/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,225
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,321
−HK$1,113/mo
Today · 4.125%
HK$37,434
baseline
▲ 0.50% · 4.625%
HK$39,712
+HK$2,278/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,868/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,188
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,239
−HK$1,066/mo
Today · 4.125%
HK$41,305
baseline
▲ 0.50% · 4.625%
HK$43,482
+HK$2,177/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,610/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,465 · 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).