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$19,545
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,153
−HK$618/mo
Today · 4.125%
HK$20,771
baseline
▲ 0.50% · 4.625%
HK$22,035
+HK$1,264/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,542/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,744
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,327
−HK$592/mo
Today · 4.125%
HK$22,919
baseline
▲ 0.50% · 4.625%
HK$24,127
+HK$1,208/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,838/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,454
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,184
−HK$741/mo
Today · 4.125%
HK$24,925
baseline
▲ 0.50% · 4.625%
HK$26,442
+HK$1,517/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,850/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,093
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,792
−HK$710/mo
Today · 4.125%
HK$27,502
baseline
▲ 0.50% · 4.625%
HK$28,952
+HK$1,450/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$55,004/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,363
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,214
−HK$865/mo
Today · 4.125%
HK$29,079
baseline
▲ 0.50% · 4.625%
HK$30,849
+HK$1,770/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,158/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,441
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,258
−HK$828/mo
Today · 4.125%
HK$32,086
baseline
▲ 0.50% · 4.625%
HK$33,777
+HK$1,691/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,172/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,181
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,276
−HK$1,112/mo
Today · 4.125%
HK$37,388
baseline
▲ 0.50% · 4.625%
HK$39,663
+HK$2,275/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$74,776/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,139
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,189
−HK$1,065/mo
Today · 4.125%
HK$41,254
baseline
▲ 0.50% · 4.625%
HK$43,428
+HK$2,174/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$82,508/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,146 · 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).