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$1,228/mo
▼ 0.25% · 3.875%
HK$20,193
−HK$619/mo
Today · 4.125%
HK$20,812
baseline
▲ 0.50% · 4.625%
HK$22,079
+HK$1,267/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,624/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,787
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,371
−HK$593/mo
Today · 4.125%
HK$22,964
baseline
▲ 0.50% · 4.625%
HK$24,175
+HK$1,211/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,928/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,657 · 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$26,494
+HK$1,519/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$257,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,145
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,846
−HK$711/mo
Today · 4.125%
HK$27,557
baseline
▲ 0.50% · 4.625%
HK$29,010
+HK$1,453/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$55,114/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,418
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,271
−HK$866/mo
Today · 4.125%
HK$29,137
baseline
▲ 0.50% · 4.625%
HK$30,910
+HK$1,773/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,274/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,502
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,320
−HK$830/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$257,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,251
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,348
−HK$1,114/mo
Today · 4.125%
HK$37,462
baseline
▲ 0.50% · 4.625%
HK$39,741
+HK$2,279/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,924/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,217
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,269
−HK$1,067/mo
Today · 4.125%
HK$41,336
baseline
▲ 0.50% · 4.625%
HK$43,514
+HK$2,178/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$257,657 · 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).