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$19,578
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,187
−HK$618/mo
Today · 4.125%
HK$20,805
baseline
▲ 0.50% · 4.625%
HK$22,071
+HK$1,266/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,610/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,780
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,364
−HK$593/mo
Today · 4.125%
HK$22,957
baseline
▲ 0.50% · 4.625%
HK$24,167
+HK$1,210/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,914/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,493
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,224
−HK$743/mo
Today · 4.125%
HK$24,967
baseline
▲ 0.50% · 4.625%
HK$26,486
+HK$1,519/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,934/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,136
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,837
−HK$711/mo
Today · 4.125%
HK$27,548
baseline
▲ 0.50% · 4.625%
HK$29,000
+HK$1,452/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,096/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,409
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,261
−HK$867/mo
Today · 4.125%
HK$29,128
baseline
▲ 0.50% · 4.625%
HK$30,900
+HK$1,772/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,256/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,492
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,310
−HK$829/mo
Today · 4.125%
HK$32,139
baseline
▲ 0.50% · 4.625%
HK$33,834
+HK$1,695/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,278/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,240
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,336
−HK$1,114/mo
Today · 4.125%
HK$37,450
baseline
▲ 0.50% · 4.625%
HK$39,729
+HK$2,279/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,900/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,204
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,256
−HK$1,066/mo
Today · 4.125%
HK$41,322
baseline
▲ 0.50% · 4.625%
HK$43,500
+HK$2,178/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,644/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,574 · 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).