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$19,576
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,185
−HK$618/mo
Today · 4.125%
HK$20,803
baseline
▲ 0.50% · 4.625%
HK$22,069
+HK$1,266/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,606/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,778
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,362
−HK$593/mo
Today · 4.125%
HK$22,955
baseline
▲ 0.50% · 4.625%
HK$24,164
+HK$1,209/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,910/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,491
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,222
−HK$742/mo
Today · 4.125%
HK$24,964
baseline
▲ 0.50% · 4.625%
HK$26,483
+HK$1,519/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,928/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,133
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,834
−HK$711/mo
Today · 4.125%
HK$27,545
baseline
▲ 0.50% · 4.625%
HK$28,997
+HK$1,452/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,090/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,406
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,259
−HK$866/mo
Today · 4.125%
HK$29,125
baseline
▲ 0.50% · 4.625%
HK$30,897
+HK$1,772/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,250/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,489
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,307
−HK$829/mo
Today · 4.125%
HK$32,136
baseline
▲ 0.50% · 4.625%
HK$33,830
+HK$1,694/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,272/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,236
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,333
−HK$1,113/mo
Today · 4.125%
HK$37,446
baseline
▲ 0.50% · 4.625%
HK$39,725
+HK$2,279/mo
Deposit HK$858K · loan HK$7.73M · min. income ≈ HK$74,892/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,200
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,252
−HK$1,066/mo
Today · 4.125%
HK$41,318
baseline
▲ 0.50% · 4.625%
HK$43,496
+HK$2,178/mo
Deposit HK$858K · loan HK$7.73M · min. income ≈ HK$82,636/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,548 · 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).