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$19,837
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,454
−HK$627/mo
Today · 4.125%
HK$21,081
baseline
▲ 0.50% · 4.625%
HK$22,364
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,162/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,068
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,660
−HK$601/mo
Today · 4.125%
HK$23,261
baseline
▲ 0.50% · 4.625%
HK$24,487
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,522/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,804
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,545
−HK$752/mo
Today · 4.125%
HK$25,297
baseline
▲ 0.50% · 4.625%
HK$26,836
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,594/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,482
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,192
−HK$721/mo
Today · 4.125%
HK$27,913
baseline
▲ 0.50% · 4.625%
HK$29,384
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,826/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,772
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,635
−HK$878/mo
Today · 4.125%
HK$29,513
baseline
▲ 0.50% · 4.625%
HK$31,309
+HK$1,796/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,026/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,896
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,724
−HK$841/mo
Today · 4.125%
HK$32,565
baseline
▲ 0.50% · 4.625%
HK$34,281
+HK$1,716/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,130/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,706
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,817
−HK$1,128/mo
Today · 4.125%
HK$37,945
baseline
▲ 0.50% · 4.625%
HK$40,254
+HK$2,309/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,890/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,723
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,788
−HK$1,081/mo
Today · 4.125%
HK$41,869
baseline
▲ 0.50% · 4.625%
HK$44,076
+HK$2,207/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,738/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,983 · 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).