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$19,558
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,166
−HK$618/mo
Today · 4.125%
HK$20,784
baseline
▲ 0.50% · 4.625%
HK$22,049
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,568/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,758
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,341
−HK$592/mo
Today · 4.125%
HK$22,933
baseline
▲ 0.50% · 4.625%
HK$24,142
+HK$1,209/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,866/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,469
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,199
−HK$742/mo
Today · 4.125%
HK$24,941
baseline
▲ 0.50% · 4.625%
HK$26,458
+HK$1,517/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$49,882/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,109
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,809
−HK$711/mo
Today · 4.125%
HK$27,520
baseline
▲ 0.50% · 4.625%
HK$28,970
+HK$1,450/mo
Deposit HK$3.43M · loan HK$5.15M · min. income ≈ HK$55,040/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,381
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,232
−HK$866/mo
Today · 4.125%
HK$29,098
baseline
▲ 0.50% · 4.625%
HK$30,868
+HK$1,770/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,196/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,461
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,278
−HK$828/mo
Today · 4.125%
HK$32,106
baseline
▲ 0.50% · 4.625%
HK$33,799
+HK$1,693/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,212/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,204
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,299
−HK$1,112/mo
Today · 4.125%
HK$37,411
baseline
▲ 0.50% · 4.625%
HK$39,688
+HK$2,277/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$74,822/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,164
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,214
−HK$1,066/mo
Today · 4.125%
HK$41,280
baseline
▲ 0.50% · 4.625%
HK$43,456
+HK$2,176/mo
Deposit HK$858K · loan HK$7.72M · min. income ≈ HK$82,560/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,309 · 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).