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$19,850
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,467
−HK$628/mo
Today · 4.125%
HK$21,095
baseline
▲ 0.50% · 4.625%
HK$22,378
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,190/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,083
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,675
−HK$601/mo
Today · 4.125%
HK$23,276
baseline
▲ 0.50% · 4.625%
HK$24,503
+HK$1,227/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,552/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,820
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,561
−HK$753/mo
Today · 4.125%
HK$25,314
baseline
▲ 0.50% · 4.625%
HK$26,854
+HK$1,540/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,628/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,500
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,210
−HK$721/mo
Today · 4.125%
HK$27,931
baseline
▲ 0.50% · 4.625%
HK$29,404
+HK$1,473/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,862/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,790
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,654
−HK$879/mo
Today · 4.125%
HK$29,533
baseline
▲ 0.50% · 4.625%
HK$31,330
+HK$1,797/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,066/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,916
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,745
−HK$841/mo
Today · 4.125%
HK$32,586
baseline
▲ 0.50% · 4.625%
HK$34,304
+HK$1,718/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,172/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,730
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,841
−HK$1,130/mo
Today · 4.125%
HK$37,971
baseline
▲ 0.50% · 4.625%
HK$40,281
+HK$2,310/mo
Deposit HK$871K · loan HK$7.83M · min. income ≈ HK$75,942/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,749
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,815
−HK$1,082/mo
Today · 4.125%
HK$41,897
baseline
▲ 0.50% · 4.625%
HK$44,105
+HK$2,208/mo
Deposit HK$871K · loan HK$7.83M · min. income ≈ HK$83,794/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,156 · 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).