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$19,540
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,148
−HK$617/mo
Today · 4.125%
HK$20,765
baseline
▲ 0.50% · 4.625%
HK$22,029
+HK$1,264/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,530/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,738
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,321
−HK$592/mo
Today · 4.125%
HK$22,913
baseline
▲ 0.50% · 4.625%
HK$24,120
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,826/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,448
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,178
−HK$741/mo
Today · 4.125%
HK$24,919
baseline
▲ 0.50% · 4.625%
HK$26,435
+HK$1,516/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,838/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$257,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,086
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,785
−HK$710/mo
Today · 4.125%
HK$27,495
baseline
▲ 0.50% · 4.625%
HK$28,944
+HK$1,449/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,990/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$257,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,356
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,207
−HK$865/mo
Today · 4.125%
HK$29,072
baseline
▲ 0.50% · 4.625%
HK$30,841
+HK$1,769/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,144/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,433
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,250
−HK$828/mo
Today · 4.125%
HK$32,078
baseline
▲ 0.50% · 4.625%
HK$33,769
+HK$1,691/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,156/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,172
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,266
−HK$1,112/mo
Today · 4.125%
HK$37,378
baseline
▲ 0.50% · 4.625%
HK$39,652
+HK$2,274/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$74,756/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,129
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,178
−HK$1,065/mo
Today · 4.125%
HK$41,243
baseline
▲ 0.50% · 4.625%
HK$43,417
+HK$2,174/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$82,486/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,079 · 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).