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$19,542
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,149
−HK$618/mo
Today · 4.125%
HK$20,767
baseline
▲ 0.50% · 4.625%
HK$22,031
+HK$1,264/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,534/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,740
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,323
−HK$591/mo
Today · 4.125%
HK$22,914
baseline
▲ 0.50% · 4.625%
HK$24,122
+HK$1,208/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,828/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,450
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,179
−HK$741/mo
Today · 4.125%
HK$24,920
baseline
▲ 0.50% · 4.625%
HK$26,437
+HK$1,517/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,840/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,088
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,788
−HK$709/mo
Today · 4.125%
HK$27,497
baseline
▲ 0.50% · 4.625%
HK$28,947
+HK$1,450/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,994/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,358
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,209
−HK$865/mo
Today · 4.125%
HK$29,074
baseline
▲ 0.50% · 4.625%
HK$30,843
+HK$1,769/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,148/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,436
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,252
−HK$828/mo
Today · 4.125%
HK$32,080
baseline
▲ 0.50% · 4.625%
HK$33,771
+HK$1,691/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,160/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,175
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,269
−HK$1,112/mo
Today · 4.125%
HK$37,381
baseline
▲ 0.50% · 4.625%
HK$39,655
+HK$2,274/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$74,762/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,132
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,181
−HK$1,065/mo
Today · 4.125%
HK$41,246
baseline
▲ 0.50% · 4.625%
HK$43,420
+HK$2,174/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$82,492/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,098 · 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).