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$19,572
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,181
−HK$619/mo
Today · 4.125%
HK$20,800
baseline
▲ 0.50% · 4.625%
HK$22,065
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,600/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,774
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,358
−HK$593/mo
Today · 4.125%
HK$22,951
baseline
▲ 0.50% · 4.625%
HK$24,160
+HK$1,209/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,902/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,487
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,218
−HK$742/mo
Today · 4.125%
HK$24,960
baseline
▲ 0.50% · 4.625%
HK$26,479
+HK$1,519/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,920/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,129
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,830
−HK$711/mo
Today · 4.125%
HK$27,541
baseline
▲ 0.50% · 4.625%
HK$28,992
+HK$1,451/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,082/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,401
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,254
−HK$866/mo
Today · 4.125%
HK$29,120
baseline
▲ 0.50% · 4.625%
HK$30,892
+HK$1,772/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,240/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,484
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,301
−HK$830/mo
Today · 4.125%
HK$32,131
baseline
▲ 0.50% · 4.625%
HK$33,824
+HK$1,693/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,262/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,230
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,326
−HK$1,114/mo
Today · 4.125%
HK$37,440
baseline
▲ 0.50% · 4.625%
HK$39,718
+HK$2,278/mo
Deposit HK$858K · loan HK$7.73M · min. income ≈ HK$74,880/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,193
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,245
−HK$1,066/mo
Today · 4.125%
HK$41,311
baseline
▲ 0.50% · 4.625%
HK$43,489
+HK$2,178/mo
Deposit HK$858K · loan HK$7.73M · min. income ≈ HK$82,622/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,504 · 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).