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$19,533
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,140
−HK$618/mo
Today · 4.125%
HK$20,758
baseline
▲ 0.50% · 4.625%
HK$22,021
+HK$1,263/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,516/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,730
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,313
−HK$591/mo
Today · 4.125%
HK$22,904
baseline
▲ 0.50% · 4.625%
HK$24,111
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,808/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,439
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,168
−HK$741/mo
Today · 4.125%
HK$24,909
baseline
▲ 0.50% · 4.625%
HK$26,425
+HK$1,516/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,818/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,076
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,775
−HK$710/mo
Today · 4.125%
HK$27,485
baseline
▲ 0.50% · 4.625%
HK$28,934
+HK$1,449/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,970/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,346
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,196
−HK$865/mo
Today · 4.125%
HK$29,061
baseline
▲ 0.50% · 4.625%
HK$30,829
+HK$1,768/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,122/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,422
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,238
−HK$828/mo
Today · 4.125%
HK$32,066
baseline
▲ 0.50% · 4.625%
HK$33,756
+HK$1,690/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,132/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,159
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,253
−HK$1,111/mo
Today · 4.125%
HK$37,364
baseline
▲ 0.50% · 4.625%
HK$39,637
+HK$2,273/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$74,728/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,114
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,163
−HK$1,064/mo
Today · 4.125%
HK$41,227
baseline
▲ 0.50% · 4.625%
HK$43,400
+HK$2,173/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$82,454/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,981 · 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).