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$19,557
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,165
−HK$618/mo
Today · 4.125%
HK$20,783
baseline
▲ 0.50% · 4.625%
HK$22,048
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,566/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,757
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,340
−HK$592/mo
Today · 4.125%
HK$22,932
baseline
▲ 0.50% · 4.625%
HK$24,141
+HK$1,209/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,864/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,468
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,198
−HK$742/mo
Today · 4.125%
HK$24,940
baseline
▲ 0.50% · 4.625%
HK$26,457
+HK$1,517/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,880/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,108
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,808
−HK$711/mo
Today · 4.125%
HK$27,519
baseline
▲ 0.50% · 4.625%
HK$28,969
+HK$1,450/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,038/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,379
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,231
−HK$865/mo
Today · 4.125%
HK$29,096
baseline
▲ 0.50% · 4.625%
HK$30,867
+HK$1,771/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,192/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,459
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,276
−HK$829/mo
Today · 4.125%
HK$32,105
baseline
▲ 0.50% · 4.625%
HK$33,797
+HK$1,692/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,210/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,202
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,297
−HK$1,113/mo
Today · 4.125%
HK$37,410
baseline
▲ 0.50% · 4.625%
HK$39,686
+HK$2,276/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,820/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,162
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,212
−HK$1,066/mo
Today · 4.125%
HK$41,278
baseline
▲ 0.50% · 4.625%
HK$43,454
+HK$2,176/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,556/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,298 · 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).