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$19,574
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,183
−HK$619/mo
Today · 4.125%
HK$20,802
baseline
▲ 0.50% · 4.625%
HK$22,067
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,604/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,776
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,360
−HK$593/mo
Today · 4.125%
HK$22,953
baseline
▲ 0.50% · 4.625%
HK$24,163
+HK$1,210/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,906/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,489
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,220
−HK$742/mo
Today · 4.125%
HK$24,962
baseline
▲ 0.50% · 4.625%
HK$26,481
+HK$1,519/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,924/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,131
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,832
−HK$711/mo
Today · 4.125%
HK$27,543
baseline
▲ 0.50% · 4.625%
HK$28,995
+HK$1,452/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,086/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,404
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,256
−HK$866/mo
Today · 4.125%
HK$29,122
baseline
▲ 0.50% · 4.625%
HK$30,894
+HK$1,772/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,244/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,487
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,304
−HK$830/mo
Today · 4.125%
HK$32,134
baseline
▲ 0.50% · 4.625%
HK$33,828
+HK$1,694/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,268/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,234
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,330
−HK$1,113/mo
Today · 4.125%
HK$37,443
baseline
▲ 0.50% · 4.625%
HK$39,721
+HK$2,278/mo
Deposit HK$858K · loan HK$7.73M · min. income ≈ HK$74,886/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,197
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,248
−HK$1,067/mo
Today · 4.125%
HK$41,315
baseline
▲ 0.50% · 4.625%
HK$43,493
+HK$2,178/mo
Deposit HK$858K · loan HK$7.73M · min. income ≈ HK$82,630/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,528 · 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).