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$1,226/mo
▼ 0.25% · 3.875%
HK$20,164
−HK$618/mo
Today · 4.125%
HK$20,782
baseline
▲ 0.50% · 4.625%
HK$22,047
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,564/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,756
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,339
−HK$592/mo
Today · 4.125%
HK$22,931
baseline
▲ 0.50% · 4.625%
HK$24,140
+HK$1,209/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,862/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,467
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,197
−HK$742/mo
Today · 4.125%
HK$24,939
baseline
▲ 0.50% · 4.625%
HK$26,456
+HK$1,517/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$257,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,107
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,807
−HK$710/mo
Today · 4.125%
HK$27,517
baseline
▲ 0.50% · 4.625%
HK$28,968
+HK$1,451/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,034/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,378
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,230
−HK$865/mo
Today · 4.125%
HK$29,095
baseline
▲ 0.50% · 4.625%
HK$30,866
+HK$1,771/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,190/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,458
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,275
−HK$829/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$257,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,201
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,296
−HK$1,112/mo
Today · 4.125%
HK$37,408
baseline
▲ 0.50% · 4.625%
HK$39,684
+HK$2,276/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,816/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,160
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,211
−HK$1,065/mo
Today · 4.125%
HK$41,276
baseline
▲ 0.50% · 4.625%
HK$43,452
+HK$2,176/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,552/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,286 · 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).