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$19,560
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,168
−HK$618/mo
Today · 4.125%
HK$20,786
baseline
▲ 0.50% · 4.625%
HK$22,051
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,572/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,760
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,344
−HK$592/mo
Today · 4.125%
HK$22,936
baseline
▲ 0.50% · 4.625%
HK$24,145
+HK$1,209/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,872/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,472
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,202
−HK$742/mo
Today · 4.125%
HK$24,944
baseline
▲ 0.50% · 4.625%
HK$26,461
+HK$1,517/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,888/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,112
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,812
−HK$711/mo
Today · 4.125%
HK$27,523
baseline
▲ 0.50% · 4.625%
HK$28,974
+HK$1,451/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,046/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,384
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,235
−HK$866/mo
Today · 4.125%
HK$29,101
baseline
▲ 0.50% · 4.625%
HK$30,872
+HK$1,771/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,202/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,464
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,281
−HK$829/mo
Today · 4.125%
HK$32,110
baseline
▲ 0.50% · 4.625%
HK$33,803
+HK$1,693/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,220/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,208
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,303
−HK$1,112/mo
Today · 4.125%
HK$37,415
baseline
▲ 0.50% · 4.625%
HK$39,692
+HK$2,277/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,830/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,168
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,219
−HK$1,065/mo
Today · 4.125%
HK$41,284
baseline
▲ 0.50% · 4.625%
HK$43,460
+HK$2,176/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,568/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,337 · 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).