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$19,535
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,143
−HK$617/mo
Today · 4.125%
HK$20,760
baseline
▲ 0.50% · 4.625%
HK$22,023
+HK$1,263/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,520/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,733
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,315
−HK$592/mo
Today · 4.125%
HK$22,907
baseline
▲ 0.50% · 4.625%
HK$24,114
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,814/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,442
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,171
−HK$741/mo
Today · 4.125%
HK$24,912
baseline
▲ 0.50% · 4.625%
HK$26,428
+HK$1,516/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,824/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$257,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,079
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,778
−HK$710/mo
Today · 4.125%
HK$27,488
baseline
▲ 0.50% · 4.625%
HK$28,937
+HK$1,449/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,976/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$257,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,349
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,200
−HK$864/mo
Today · 4.125%
HK$29,064
baseline
▲ 0.50% · 4.625%
HK$30,833
+HK$1,769/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,128/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,426
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,242
−HK$827/mo
Today · 4.125%
HK$32,069
baseline
▲ 0.50% · 4.625%
HK$33,760
+HK$1,691/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,138/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,163
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,257
−HK$1,111/mo
Today · 4.125%
HK$37,368
baseline
▲ 0.50% · 4.625%
HK$39,642
+HK$2,274/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$74,736/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,119
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,168
−HK$1,064/mo
Today · 4.125%
HK$41,232
baseline
▲ 0.50% · 4.625%
HK$43,405
+HK$2,173/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$82,464/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,011 · 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).