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$19,554
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,162
−HK$618/mo
Today · 4.125%
HK$20,780
baseline
▲ 0.50% · 4.625%
HK$22,045
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,560/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,754
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,337
−HK$592/mo
Today · 4.125%
HK$22,929
baseline
▲ 0.50% · 4.625%
HK$24,138
+HK$1,209/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,858/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,465
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,195
−HK$741/mo
Today · 4.125%
HK$24,936
baseline
▲ 0.50% · 4.625%
HK$26,454
+HK$1,518/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,872/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,104
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,804
−HK$711/mo
Today · 4.125%
HK$27,515
baseline
▲ 0.50% · 4.625%
HK$28,965
+HK$1,450/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,030/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,376
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,227
−HK$865/mo
Today · 4.125%
HK$29,092
baseline
▲ 0.50% · 4.625%
HK$30,862
+HK$1,770/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,184/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,455
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,272
−HK$828/mo
Today · 4.125%
HK$32,100
baseline
▲ 0.50% · 4.625%
HK$33,793
+HK$1,693/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,200/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,197
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,292
−HK$1,112/mo
Today · 4.125%
HK$37,404
baseline
▲ 0.50% · 4.625%
HK$39,680
+HK$2,276/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,808/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,157
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,207
−HK$1,065/mo
Today · 4.125%
HK$41,272
baseline
▲ 0.50% · 4.625%
HK$43,448
+HK$2,176/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,544/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,261 · 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).