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$19,540
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,147
−HK$618/mo
Today · 4.125%
HK$20,765
baseline
▲ 0.50% · 4.625%
HK$22,028
+HK$1,263/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,530/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,738
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,321
−HK$591/mo
Today · 4.125%
HK$22,912
baseline
▲ 0.50% · 4.625%
HK$24,120
+HK$1,208/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,824/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,448
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,177
−HK$741/mo
Today · 4.125%
HK$24,918
baseline
▲ 0.50% · 4.625%
HK$26,434
+HK$1,516/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,836/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$257,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,085
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,785
−HK$709/mo
Today · 4.125%
HK$27,494
baseline
▲ 0.50% · 4.625%
HK$28,944
+HK$1,450/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,988/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$257,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,355
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,206
−HK$865/mo
Today · 4.125%
HK$29,071
baseline
▲ 0.50% · 4.625%
HK$30,840
+HK$1,769/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,142/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,433
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,249
−HK$828/mo
Today · 4.125%
HK$32,077
baseline
▲ 0.50% · 4.625%
HK$33,768
+HK$1,691/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,154/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,171
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,265
−HK$1,112/mo
Today · 4.125%
HK$37,377
baseline
▲ 0.50% · 4.625%
HK$39,651
+HK$2,274/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$74,754/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,128
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,177
−HK$1,065/mo
Today · 4.125%
HK$41,242
baseline
▲ 0.50% · 4.625%
HK$43,416
+HK$2,174/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$82,484/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,071 · 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).