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$19,555
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,163
−HK$618/mo
Today · 4.125%
HK$20,781
baseline
▲ 0.50% · 4.625%
HK$22,045
+HK$1,264/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,562/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,754
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,338
−HK$592/mo
Today · 4.125%
HK$22,930
baseline
▲ 0.50% · 4.625%
HK$24,138
+HK$1,208/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,860/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,466
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,196
−HK$741/mo
Today · 4.125%
HK$24,937
baseline
▲ 0.50% · 4.625%
HK$26,455
+HK$1,518/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,874/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,105
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,805
−HK$711/mo
Today · 4.125%
HK$27,516
baseline
▲ 0.50% · 4.625%
HK$28,966
+HK$1,450/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,032/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,377
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,228
−HK$865/mo
Today · 4.125%
HK$29,093
baseline
▲ 0.50% · 4.625%
HK$30,864
+HK$1,771/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,186/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,456
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,273
−HK$829/mo
Today · 4.125%
HK$32,102
baseline
▲ 0.50% · 4.625%
HK$33,794
+HK$1,692/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,204/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,198
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,293
−HK$1,113/mo
Today · 4.125%
HK$37,406
baseline
▲ 0.50% · 4.625%
HK$39,682
+HK$2,276/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,812/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,158
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,208
−HK$1,066/mo
Today · 4.125%
HK$41,274
baseline
▲ 0.50% · 4.625%
HK$43,449
+HK$2,175/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,548/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,270 · 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).