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$19,537
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,144
−HK$618/mo
Today · 4.125%
HK$20,762
baseline
▲ 0.50% · 4.625%
HK$22,025
+HK$1,263/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,524/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,734
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,317
−HK$592/mo
Today · 4.125%
HK$22,909
baseline
▲ 0.50% · 4.625%
HK$24,116
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,818/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,444
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,173
−HK$741/mo
Today · 4.125%
HK$24,914
baseline
▲ 0.50% · 4.625%
HK$26,430
+HK$1,516/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,828/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$257,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,081
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,781
−HK$709/mo
Today · 4.125%
HK$27,490
baseline
▲ 0.50% · 4.625%
HK$28,939
+HK$1,449/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,980/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$257,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,351
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,202
−HK$864/mo
Today · 4.125%
HK$29,066
baseline
▲ 0.50% · 4.625%
HK$30,835
+HK$1,769/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,132/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,428
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,244
−HK$828/mo
Today · 4.125%
HK$32,072
baseline
▲ 0.50% · 4.625%
HK$33,762
+HK$1,690/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,144/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,166
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,260
−HK$1,111/mo
Today · 4.125%
HK$37,371
baseline
▲ 0.50% · 4.625%
HK$39,645
+HK$2,274/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$74,742/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,122
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,171
−HK$1,064/mo
Today · 4.125%
HK$41,235
baseline
▲ 0.50% · 4.625%
HK$43,409
+HK$2,174/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$82,470/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,032 · 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).