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$19,585
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,195
−HK$618/mo
Today · 4.125%
HK$20,813
baseline
▲ 0.50% · 4.625%
HK$22,080
+HK$1,267/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,626/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,788
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,373
−HK$593/mo
Today · 4.125%
HK$22,966
baseline
▲ 0.50% · 4.625%
HK$24,176
+HK$1,210/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,932/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,502
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,233
−HK$743/mo
Today · 4.125%
HK$24,976
baseline
▲ 0.50% · 4.625%
HK$26,496
+HK$1,520/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$49,952/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,146
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,847
−HK$712/mo
Today · 4.125%
HK$27,559
baseline
▲ 0.50% · 4.625%
HK$29,011
+HK$1,452/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$55,118/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,419
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,272
−HK$867/mo
Today · 4.125%
HK$29,139
baseline
▲ 0.50% · 4.625%
HK$30,912
+HK$1,773/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,278/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,504
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,322
−HK$830/mo
Today · 4.125%
HK$32,152
baseline
▲ 0.50% · 4.625%
HK$33,847
+HK$1,695/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,304/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,254
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,350
−HK$1,114/mo
Today · 4.125%
HK$37,464
baseline
▲ 0.50% · 4.625%
HK$39,744
+HK$2,280/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,928/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,219
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,271
−HK$1,067/mo
Today · 4.125%
HK$41,338
baseline
▲ 0.50% · 4.625%
HK$43,517
+HK$2,179/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,676/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,673 · 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).