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$19,546
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,154
−HK$618/mo
Today · 4.125%
HK$20,772
baseline
▲ 0.50% · 4.625%
HK$22,036
+HK$1,264/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,544/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,745
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,328
−HK$592/mo
Today · 4.125%
HK$22,920
baseline
▲ 0.50% · 4.625%
HK$24,128
+HK$1,208/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,840/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,455
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,185
−HK$741/mo
Today · 4.125%
HK$24,926
baseline
▲ 0.50% · 4.625%
HK$26,443
+HK$1,517/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,852/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,094
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,794
−HK$709/mo
Today · 4.125%
HK$27,503
baseline
▲ 0.50% · 4.625%
HK$28,953
+HK$1,450/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$55,006/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,364
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,216
−HK$864/mo
Today · 4.125%
HK$29,080
baseline
▲ 0.50% · 4.625%
HK$30,850
+HK$1,770/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,160/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,443
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,259
−HK$828/mo
Today · 4.125%
HK$32,087
baseline
▲ 0.50% · 4.625%
HK$33,779
+HK$1,692/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,174/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,183
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,277
−HK$1,112/mo
Today · 4.125%
HK$37,389
baseline
▲ 0.50% · 4.625%
HK$39,664
+HK$2,275/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$74,778/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,141
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,190
−HK$1,065/mo
Today · 4.125%
HK$41,255
baseline
▲ 0.50% · 4.625%
HK$43,430
+HK$2,175/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$82,510/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,156 · 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).