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$19,539
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,147
−HK$617/mo
Today · 4.125%
HK$20,764
baseline
▲ 0.50% · 4.625%
HK$22,028
+HK$1,264/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,528/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,737
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,320
−HK$592/mo
Today · 4.125%
HK$22,912
baseline
▲ 0.50% · 4.625%
HK$24,119
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,824/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,447
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,176
−HK$741/mo
Today · 4.125%
HK$24,917
baseline
▲ 0.50% · 4.625%
HK$26,434
+HK$1,517/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,834/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$257,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,085
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,784
−HK$710/mo
Today · 4.125%
HK$27,494
baseline
▲ 0.50% · 4.625%
HK$28,943
+HK$1,449/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,988/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$257,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,355
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,206
−HK$864/mo
Today · 4.125%
HK$29,070
baseline
▲ 0.50% · 4.625%
HK$30,839
+HK$1,769/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,140/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,432
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,248
−HK$828/mo
Today · 4.125%
HK$32,076
baseline
▲ 0.50% · 4.625%
HK$33,767
+HK$1,691/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,152/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,171
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,265
−HK$1,111/mo
Today · 4.125%
HK$37,376
baseline
▲ 0.50% · 4.625%
HK$39,650
+HK$2,274/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$74,752/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,127
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,176
−HK$1,065/mo
Today · 4.125%
HK$41,241
baseline
▲ 0.50% · 4.625%
HK$43,415
+HK$2,174/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$82,482/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,066 · 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).