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$19,834
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,451
−HK$627/mo
Today · 4.125%
HK$21,078
baseline
▲ 0.50% · 4.625%
HK$22,360
+HK$1,282/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,156/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,065
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,657
−HK$600/mo
Today · 4.125%
HK$23,257
baseline
▲ 0.50% · 4.625%
HK$24,483
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,514/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,801
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,541
−HK$752/mo
Today · 4.125%
HK$25,293
baseline
▲ 0.50% · 4.625%
HK$26,832
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,586/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,478
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,188
−HK$721/mo
Today · 4.125%
HK$27,909
baseline
▲ 0.50% · 4.625%
HK$29,380
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,818/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,768
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,631
−HK$878/mo
Today · 4.125%
HK$29,509
baseline
▲ 0.50% · 4.625%
HK$31,304
+HK$1,795/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,018/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,891
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,720
−HK$840/mo
Today · 4.125%
HK$32,560
baseline
▲ 0.50% · 4.625%
HK$34,276
+HK$1,716/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,120/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,701
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,812
−HK$1,128/mo
Today · 4.125%
HK$37,940
baseline
▲ 0.50% · 4.625%
HK$40,249
+HK$2,309/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,880/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,717
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,782
−HK$1,081/mo
Today · 4.125%
HK$41,863
baseline
▲ 0.50% · 4.625%
HK$44,070
+HK$2,207/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,726/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,945 · 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).