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$19,567
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,176
−HK$619/mo
Today · 4.125%
HK$20,795
baseline
▲ 0.50% · 4.625%
HK$22,060
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,590/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,769
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,352
−HK$593/mo
Today · 4.125%
HK$22,945
baseline
▲ 0.50% · 4.625%
HK$24,154
+HK$1,209/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,890/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,481
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,211
−HK$742/mo
Today · 4.125%
HK$24,953
baseline
▲ 0.50% · 4.625%
HK$26,472
+HK$1,519/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,906/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,122
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,823
−HK$711/mo
Today · 4.125%
HK$27,534
baseline
▲ 0.50% · 4.625%
HK$28,985
+HK$1,451/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,068/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,394
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,247
−HK$865/mo
Today · 4.125%
HK$29,112
baseline
▲ 0.50% · 4.625%
HK$30,884
+HK$1,772/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$58,224/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,476
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,293
−HK$830/mo
Today · 4.125%
HK$32,123
baseline
▲ 0.50% · 4.625%
HK$33,816
+HK$1,693/mo
Deposit HK$2.57M · loan HK$6.01M · min. income ≈ HK$64,246/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,221
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,317
−HK$1,113/mo
Today · 4.125%
HK$37,430
baseline
▲ 0.50% · 4.625%
HK$39,708
+HK$2,278/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,860/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,184
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,234
−HK$1,066/mo
Today · 4.125%
HK$41,300
baseline
▲ 0.50% · 4.625%
HK$43,477
+HK$2,177/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,600/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,438 · 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).