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$19,559
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,167
−HK$618/mo
Today · 4.125%
HK$20,785
baseline
▲ 0.50% · 4.625%
HK$22,050
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,570/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,759
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,342
−HK$592/mo
Today · 4.125%
HK$22,934
baseline
▲ 0.50% · 4.625%
HK$24,143
+HK$1,209/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,868/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,470
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,200
−HK$742/mo
Today · 4.125%
HK$24,942
baseline
▲ 0.50% · 4.625%
HK$26,460
+HK$1,518/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,884/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,111
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,811
−HK$710/mo
Today · 4.125%
HK$27,521
baseline
▲ 0.50% · 4.625%
HK$28,972
+HK$1,451/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,042/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,382
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,234
−HK$865/mo
Today · 4.125%
HK$29,099
baseline
▲ 0.50% · 4.625%
HK$30,870
+HK$1,771/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,198/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,462
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,279
−HK$829/mo
Today · 4.125%
HK$32,108
baseline
▲ 0.50% · 4.625%
HK$33,801
+HK$1,693/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,216/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,205
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,301
−HK$1,112/mo
Today · 4.125%
HK$37,413
baseline
▲ 0.50% · 4.625%
HK$39,690
+HK$2,277/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,826/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,166
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,216
−HK$1,066/mo
Today · 4.125%
HK$41,282
baseline
▲ 0.50% · 4.625%
HK$43,458
+HK$2,176/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,564/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,322 · 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).