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$19,829
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,446
−HK$627/mo
Today · 4.125%
HK$21,073
baseline
▲ 0.50% · 4.625%
HK$22,355
+HK$1,282/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,146/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,060
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,651
−HK$601/mo
Today · 4.125%
HK$23,252
baseline
▲ 0.50% · 4.625%
HK$24,477
+HK$1,225/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,504/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,795
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,535
−HK$752/mo
Today · 4.125%
HK$25,287
baseline
▲ 0.50% · 4.625%
HK$26,826
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,574/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,472
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,182
−HK$720/mo
Today · 4.125%
HK$27,902
baseline
▲ 0.50% · 4.625%
HK$29,373
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,804/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,761
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,624
−HK$878/mo
Today · 4.125%
HK$29,502
baseline
▲ 0.50% · 4.625%
HK$31,297
+HK$1,795/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,004/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,884
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,712
−HK$840/mo
Today · 4.125%
HK$32,552
baseline
▲ 0.50% · 4.625%
HK$34,268
+HK$1,716/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,104/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,693
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,803
−HK$1,128/mo
Today · 4.125%
HK$37,931
baseline
▲ 0.50% · 4.625%
HK$40,239
+HK$2,308/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,862/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,708
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,773
−HK$1,080/mo
Today · 4.125%
HK$41,853
baseline
▲ 0.50% · 4.625%
HK$44,059
+HK$2,206/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,706/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,882 · 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).