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$19,549
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,157
−HK$618/mo
Today · 4.125%
HK$20,775
baseline
▲ 0.50% · 4.625%
HK$22,039
+HK$1,264/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,550/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,748
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,331
−HK$592/mo
Today · 4.125%
HK$22,923
baseline
▲ 0.50% · 4.625%
HK$24,131
+HK$1,208/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,846/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,459
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,188
−HK$742/mo
Today · 4.125%
HK$24,930
baseline
▲ 0.50% · 4.625%
HK$26,447
+HK$1,517/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,860/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,097
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,797
−HK$710/mo
Today · 4.125%
HK$27,507
baseline
▲ 0.50% · 4.625%
HK$28,957
+HK$1,450/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$55,014/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,368
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,220
−HK$865/mo
Today · 4.125%
HK$29,085
baseline
▲ 0.50% · 4.625%
HK$30,854
+HK$1,769/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,170/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,447
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,264
−HK$828/mo
Today · 4.125%
HK$32,092
baseline
▲ 0.50% · 4.625%
HK$33,784
+HK$1,692/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,184/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,188
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,282
−HK$1,112/mo
Today · 4.125%
HK$37,394
baseline
▲ 0.50% · 4.625%
HK$39,670
+HK$2,276/mo
Deposit HK$857K · loan HK$7.72M · min. income ≈ HK$74,788/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,146
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,196
−HK$1,065/mo
Today · 4.125%
HK$41,261
baseline
▲ 0.50% · 4.625%
HK$43,436
+HK$2,175/mo
Deposit HK$857K · loan HK$7.72M · min. income ≈ HK$82,522/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,192 · 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).