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$19,547
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,155
−HK$618/mo
Today · 4.125%
HK$20,773
baseline
▲ 0.50% · 4.625%
HK$22,037
+HK$1,264/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,546/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,746
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,329
−HK$592/mo
Today · 4.125%
HK$22,921
baseline
▲ 0.50% · 4.625%
HK$24,129
+HK$1,208/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,842/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,456
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,186
−HK$741/mo
Today · 4.125%
HK$24,927
baseline
▲ 0.50% · 4.625%
HK$26,444
+HK$1,517/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,854/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,095
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,795
−HK$710/mo
Today · 4.125%
HK$27,505
baseline
▲ 0.50% · 4.625%
HK$28,955
+HK$1,450/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$55,010/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,366
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,217
−HK$865/mo
Today · 4.125%
HK$29,082
baseline
▲ 0.50% · 4.625%
HK$30,852
+HK$1,770/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,164/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,444
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,261
−HK$828/mo
Today · 4.125%
HK$32,089
baseline
▲ 0.50% · 4.625%
HK$33,781
+HK$1,692/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,178/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,185
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,279
−HK$1,112/mo
Today · 4.125%
HK$37,391
baseline
▲ 0.50% · 4.625%
HK$39,666
+HK$2,275/mo
Deposit HK$857K · loan HK$7.72M · min. income ≈ HK$74,782/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,143
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,192
−HK$1,065/mo
Today · 4.125%
HK$41,257
baseline
▲ 0.50% · 4.625%
HK$43,432
+HK$2,175/mo
Deposit HK$857K · loan HK$7.72M · min. income ≈ HK$82,514/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,170 · 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).