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$19,531
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,138
−HK$617/mo
Today · 4.125%
HK$20,755
baseline
▲ 0.50% · 4.625%
HK$22,018
+HK$1,263/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,510/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,728
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,310
−HK$591/mo
Today · 4.125%
HK$22,901
baseline
▲ 0.50% · 4.625%
HK$24,109
+HK$1,208/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,802/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,437
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,166
−HK$740/mo
Today · 4.125%
HK$24,906
baseline
▲ 0.50% · 4.625%
HK$26,422
+HK$1,516/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,812/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,073
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,772
−HK$710/mo
Today · 4.125%
HK$27,482
baseline
▲ 0.50% · 4.625%
HK$28,930
+HK$1,448/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,964/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,343
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,193
−HK$864/mo
Today · 4.125%
HK$29,057
baseline
▲ 0.50% · 4.625%
HK$30,825
+HK$1,768/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,114/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,419
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,234
−HK$828/mo
Today · 4.125%
HK$32,062
baseline
▲ 0.50% · 4.625%
HK$33,752
+HK$1,690/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,124/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,155
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,248
−HK$1,111/mo
Today · 4.125%
HK$37,359
baseline
▲ 0.50% · 4.625%
HK$39,633
+HK$2,274/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$74,718/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,110
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,158
−HK$1,065/mo
Today · 4.125%
HK$41,223
baseline
▲ 0.50% · 4.625%
HK$43,395
+HK$2,172/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$82,446/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,952 · 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).