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$19,556
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,165
−HK$618/mo
Today · 4.125%
HK$20,783
baseline
▲ 0.50% · 4.625%
HK$22,047
+HK$1,264/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,566/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,756
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,340
−HK$592/mo
Today · 4.125%
HK$22,932
baseline
▲ 0.50% · 4.625%
HK$24,140
+HK$1,208/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,864/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,468
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,198
−HK$741/mo
Today · 4.125%
HK$24,939
baseline
▲ 0.50% · 4.625%
HK$26,457
+HK$1,518/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,878/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,107
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,808
−HK$710/mo
Today · 4.125%
HK$27,518
baseline
▲ 0.50% · 4.625%
HK$28,968
+HK$1,450/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,036/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,379
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,230
−HK$866/mo
Today · 4.125%
HK$29,096
baseline
▲ 0.50% · 4.625%
HK$30,866
+HK$1,770/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,192/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,459
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,276
−HK$828/mo
Today · 4.125%
HK$32,104
baseline
▲ 0.50% · 4.625%
HK$33,796
+HK$1,692/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,208/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,201
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,296
−HK$1,113/mo
Today · 4.125%
HK$37,409
baseline
▲ 0.50% · 4.625%
HK$39,685
+HK$2,276/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,818/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,161
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,211
−HK$1,066/mo
Today · 4.125%
HK$41,277
baseline
▲ 0.50% · 4.625%
HK$43,453
+HK$2,176/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,554/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,291 · 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).