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$260,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,069
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,661
−HK$600/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$260,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,805
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,545
−HK$752/mo
Today · 4.125%
HK$25,297
baseline
▲ 0.50% · 4.625%
HK$26,837
+HK$1,540/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$260,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,482
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,193
−HK$720/mo
Today · 4.125%
HK$27,913
baseline
▲ 0.50% · 4.625%
HK$29,385
+HK$1,472/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$260,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,772
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,636
−HK$878/mo
Today · 4.125%
HK$29,514
baseline
▲ 0.50% · 4.625%
HK$31,309
+HK$1,795/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,028/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,896
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,725
−HK$840/mo
Today · 4.125%
HK$32,565
baseline
▲ 0.50% · 4.625%
HK$34,282
+HK$1,717/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$260,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,707
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,818
−HK$1,128/mo
Today · 4.125%
HK$37,946
baseline
▲ 0.50% · 4.625%
HK$40,255
+HK$2,309/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,892/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,724
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,789
−HK$1,081/mo
Today · 4.125%
HK$41,870
baseline
▲ 0.50% · 4.625%
HK$44,077
+HK$2,207/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,740/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,987 · 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).