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$19,559
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,168
−HK$618/mo
Today · 4.125%
HK$20,786
baseline
▲ 0.50% · 4.625%
HK$22,051
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,572/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,760
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,343
−HK$592/mo
Today · 4.125%
HK$22,935
baseline
▲ 0.50% · 4.625%
HK$24,144
+HK$1,209/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,870/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,471
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,201
−HK$742/mo
Today · 4.125%
HK$24,943
baseline
▲ 0.50% · 4.625%
HK$26,461
+HK$1,518/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,886/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,112
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,812
−HK$710/mo
Today · 4.125%
HK$27,522
baseline
▲ 0.50% · 4.625%
HK$28,973
+HK$1,451/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,044/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,383
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,235
−HK$865/mo
Today · 4.125%
HK$29,100
baseline
▲ 0.50% · 4.625%
HK$30,871
+HK$1,771/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,200/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,463
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,280
−HK$829/mo
Today · 4.125%
HK$32,109
baseline
▲ 0.50% · 4.625%
HK$33,802
+HK$1,693/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,218/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,207
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,302
−HK$1,113/mo
Today · 4.125%
HK$37,415
baseline
▲ 0.50% · 4.625%
HK$39,691
+HK$2,276/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,830/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,167
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,218
−HK$1,065/mo
Today · 4.125%
HK$41,283
baseline
▲ 0.50% · 4.625%
HK$43,460
+HK$2,177/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,566/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,332 · 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).