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$19,544
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,152
−HK$618/mo
Today · 4.125%
HK$20,770
baseline
▲ 0.50% · 4.625%
HK$22,034
+HK$1,264/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,540/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,743
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,326
−HK$592/mo
Today · 4.125%
HK$22,918
baseline
▲ 0.50% · 4.625%
HK$24,126
+HK$1,208/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,836/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,453
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,183
−HK$741/mo
Today · 4.125%
HK$24,924
baseline
▲ 0.50% · 4.625%
HK$26,440
+HK$1,516/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,848/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,091
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,791
−HK$710/mo
Today · 4.125%
HK$27,501
baseline
▲ 0.50% · 4.625%
HK$28,951
+HK$1,450/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$55,002/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,362
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,213
−HK$865/mo
Today · 4.125%
HK$29,078
baseline
▲ 0.50% · 4.625%
HK$30,847
+HK$1,769/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,156/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,440
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,256
−HK$829/mo
Today · 4.125%
HK$32,085
baseline
▲ 0.50% · 4.625%
HK$33,776
+HK$1,691/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,170/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,180
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,274
−HK$1,112/mo
Today · 4.125%
HK$37,386
baseline
▲ 0.50% · 4.625%
HK$39,661
+HK$2,275/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$74,772/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,137
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,187
−HK$1,065/mo
Today · 4.125%
HK$41,252
baseline
▲ 0.50% · 4.625%
HK$43,426
+HK$2,174/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$82,504/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,134 · 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).