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$19,552
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,160
−HK$618/mo
Today · 4.125%
HK$20,778
baseline
▲ 0.50% · 4.625%
HK$22,043
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,556/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,752
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,335
−HK$592/mo
Today · 4.125%
HK$22,927
baseline
▲ 0.50% · 4.625%
HK$24,135
+HK$1,208/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,854/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,463
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,192
−HK$742/mo
Today · 4.125%
HK$24,934
baseline
▲ 0.50% · 4.625%
HK$26,451
+HK$1,517/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,868/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,102
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,802
−HK$710/mo
Today · 4.125%
HK$27,512
baseline
▲ 0.50% · 4.625%
HK$28,962
+HK$1,450/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$55,024/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,373
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,225
−HK$865/mo
Today · 4.125%
HK$29,090
baseline
▲ 0.50% · 4.625%
HK$30,860
+HK$1,770/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,180/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,452
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,269
−HK$829/mo
Today · 4.125%
HK$32,098
baseline
▲ 0.50% · 4.625%
HK$33,789
+HK$1,691/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,196/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,194
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,289
−HK$1,112/mo
Today · 4.125%
HK$37,401
baseline
▲ 0.50% · 4.625%
HK$39,677
+HK$2,276/mo
Deposit HK$857K · loan HK$7.72M · min. income ≈ HK$74,802/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,153
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,203
−HK$1,065/mo
Today · 4.125%
HK$41,268
baseline
▲ 0.50% · 4.625%
HK$43,444
+HK$2,176/mo
Deposit HK$857K · loan HK$7.72M · min. income ≈ HK$82,536/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,237 · 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).