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$19,553
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,161
−HK$618/mo
Today · 4.125%
HK$20,779
baseline
▲ 0.50% · 4.625%
HK$22,043
+HK$1,264/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,558/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,752
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,336
−HK$592/mo
Today · 4.125%
HK$22,928
baseline
▲ 0.50% · 4.625%
HK$24,136
+HK$1,208/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,856/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,463
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,193
−HK$742/mo
Today · 4.125%
HK$24,935
baseline
▲ 0.50% · 4.625%
HK$26,452
+HK$1,517/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,870/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,103
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,803
−HK$710/mo
Today · 4.125%
HK$27,513
baseline
▲ 0.50% · 4.625%
HK$28,963
+HK$1,450/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$55,026/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,374
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,225
−HK$866/mo
Today · 4.125%
HK$29,091
baseline
▲ 0.50% · 4.625%
HK$30,861
+HK$1,770/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,182/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,453
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,270
−HK$829/mo
Today · 4.125%
HK$32,099
baseline
▲ 0.50% · 4.625%
HK$33,790
+HK$1,691/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,198/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,195
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,290
−HK$1,112/mo
Today · 4.125%
HK$37,402
baseline
▲ 0.50% · 4.625%
HK$39,678
+HK$2,276/mo
Deposit HK$857K · loan HK$7.72M · min. income ≈ HK$74,804/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,154
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,204
−HK$1,066/mo
Today · 4.125%
HK$41,270
baseline
▲ 0.50% · 4.625%
HK$43,445
+HK$2,175/mo
Deposit HK$857K · loan HK$7.72M · min. income ≈ HK$82,540/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,246 · 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).