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$19,836
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,453
−HK$627/mo
Today · 4.125%
HK$21,080
baseline
▲ 0.50% · 4.625%
HK$22,362
+HK$1,282/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,160/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,067
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,659
−HK$600/mo
Today · 4.125%
HK$23,259
baseline
▲ 0.50% · 4.625%
HK$24,485
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,518/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,803
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,543
−HK$752/mo
Today · 4.125%
HK$25,295
baseline
▲ 0.50% · 4.625%
HK$26,835
+HK$1,540/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,590/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,480
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,191
−HK$720/mo
Today · 4.125%
HK$27,911
baseline
▲ 0.50% · 4.625%
HK$29,382
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,822/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,770
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,634
−HK$877/mo
Today · 4.125%
HK$29,511
baseline
▲ 0.50% · 4.625%
HK$31,307
+HK$1,796/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,022/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,894
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,722
−HK$841/mo
Today · 4.125%
HK$32,563
baseline
▲ 0.50% · 4.625%
HK$34,279
+HK$1,716/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,126/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,704
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,815
−HK$1,128/mo
Today · 4.125%
HK$37,943
baseline
▲ 0.50% · 4.625%
HK$40,252
+HK$2,309/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,886/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,721
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,786
−HK$1,081/mo
Today · 4.125%
HK$41,867
baseline
▲ 0.50% · 4.625%
HK$44,073
+HK$2,206/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,734/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,967 · 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).