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$19,538
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,146
−HK$617/mo
Today · 4.125%
HK$20,763
baseline
▲ 0.50% · 4.625%
HK$22,027
+HK$1,264/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,526/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,736
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,319
−HK$591/mo
Today · 4.125%
HK$22,910
baseline
▲ 0.50% · 4.625%
HK$24,118
+HK$1,208/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,820/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,446
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,175
−HK$741/mo
Today · 4.125%
HK$24,916
baseline
▲ 0.50% · 4.625%
HK$26,432
+HK$1,516/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,832/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$257,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,083
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,783
−HK$710/mo
Today · 4.125%
HK$27,493
baseline
▲ 0.50% · 4.625%
HK$28,942
+HK$1,449/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,986/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$257,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,354
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,204
−HK$865/mo
Today · 4.125%
HK$29,069
baseline
▲ 0.50% · 4.625%
HK$30,838
+HK$1,769/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,138/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,431
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,247
−HK$828/mo
Today · 4.125%
HK$32,075
baseline
▲ 0.50% · 4.625%
HK$33,765
+HK$1,690/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,150/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,169
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,263
−HK$1,111/mo
Today · 4.125%
HK$37,374
baseline
▲ 0.50% · 4.625%
HK$39,648
+HK$2,274/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$74,748/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,125
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,174
−HK$1,065/mo
Today · 4.125%
HK$41,239
baseline
▲ 0.50% · 4.625%
HK$43,413
+HK$2,174/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$82,478/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,054 · 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).