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$19,845
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,462
−HK$627/mo
Today · 4.125%
HK$21,089
baseline
▲ 0.50% · 4.625%
HK$22,372
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,178/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,077
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,669
−HK$601/mo
Today · 4.125%
HK$23,270
baseline
▲ 0.50% · 4.625%
HK$24,496
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,540/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,814
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,554
−HK$753/mo
Today · 4.125%
HK$25,307
baseline
▲ 0.50% · 4.625%
HK$26,847
+HK$1,540/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,614/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,492
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,203
−HK$721/mo
Today · 4.125%
HK$27,924
baseline
▲ 0.50% · 4.625%
HK$29,396
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,848/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,783
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,647
−HK$878/mo
Today · 4.125%
HK$29,525
baseline
▲ 0.50% · 4.625%
HK$31,321
+HK$1,796/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,050/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,908
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,737
−HK$841/mo
Today · 4.125%
HK$32,578
baseline
▲ 0.50% · 4.625%
HK$34,295
+HK$1,717/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,156/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,720
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,832
−HK$1,128/mo
Today · 4.125%
HK$37,960
baseline
▲ 0.50% · 4.625%
HK$40,270
+HK$2,310/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,920/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,739
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,804
−HK$1,082/mo
Today · 4.125%
HK$41,886
baseline
▲ 0.50% · 4.625%
HK$44,093
+HK$2,207/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,772/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,085 · 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).