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$19,561
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,169
−HK$619/mo
Today · 4.125%
HK$20,788
baseline
▲ 0.50% · 4.625%
HK$22,053
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,576/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,761
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,345
−HK$592/mo
Today · 4.125%
HK$22,937
baseline
▲ 0.50% · 4.625%
HK$24,146
+HK$1,209/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,874/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,473
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,203
−HK$742/mo
Today · 4.125%
HK$24,945
baseline
▲ 0.50% · 4.625%
HK$26,463
+HK$1,518/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,890/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,114
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,814
−HK$711/mo
Today · 4.125%
HK$27,525
baseline
▲ 0.50% · 4.625%
HK$28,975
+HK$1,450/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,050/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,385
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,237
−HK$866/mo
Today · 4.125%
HK$29,103
baseline
▲ 0.50% · 4.625%
HK$30,874
+HK$1,771/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,206/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,466
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,283
−HK$829/mo
Today · 4.125%
HK$32,112
baseline
▲ 0.50% · 4.625%
HK$33,805
+HK$1,693/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,224/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,210
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,305
−HK$1,113/mo
Today · 4.125%
HK$37,418
baseline
▲ 0.50% · 4.625%
HK$39,695
+HK$2,277/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,836/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,171
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,221
−HK$1,066/mo
Today · 4.125%
HK$41,287
baseline
▲ 0.50% · 4.625%
HK$43,463
+HK$2,176/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,574/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,353 · 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).