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$19,832
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,449
−HK$626/mo
Today · 4.125%
HK$21,075
baseline
▲ 0.50% · 4.625%
HK$22,358
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,150/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,063
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,654
−HK$601/mo
Today · 4.125%
HK$23,255
baseline
▲ 0.50% · 4.625%
HK$24,480
+HK$1,225/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,510/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,798
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,538
−HK$753/mo
Today · 4.125%
HK$25,291
baseline
▲ 0.50% · 4.625%
HK$26,829
+HK$1,538/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,582/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,475
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,185
−HK$721/mo
Today · 4.125%
HK$27,906
baseline
▲ 0.50% · 4.625%
HK$29,377
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,812/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,765
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,628
−HK$878/mo
Today · 4.125%
HK$29,506
baseline
▲ 0.50% · 4.625%
HK$31,301
+HK$1,795/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,012/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,888
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,716
−HK$841/mo
Today · 4.125%
HK$32,557
baseline
▲ 0.50% · 4.625%
HK$34,273
+HK$1,716/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,114/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,697
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,808
−HK$1,128/mo
Today · 4.125%
HK$37,936
baseline
▲ 0.50% · 4.625%
HK$40,244
+HK$2,308/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,872/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,713
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,778
−HK$1,080/mo
Today · 4.125%
HK$41,858
baseline
▲ 0.50% · 4.625%
HK$44,065
+HK$2,207/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,716/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,916 · 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).