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$19,830
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,447
−HK$627/mo
Today · 4.125%
HK$21,074
baseline
▲ 0.50% · 4.625%
HK$22,356
+HK$1,282/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,148/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,061
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,652
−HK$601/mo
Today · 4.125%
HK$23,253
baseline
▲ 0.50% · 4.625%
HK$24,478
+HK$1,225/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,506/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,796
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,536
−HK$752/mo
Today · 4.125%
HK$25,288
baseline
▲ 0.50% · 4.625%
HK$26,827
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,576/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,473
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,183
−HK$720/mo
Today · 4.125%
HK$27,903
baseline
▲ 0.50% · 4.625%
HK$29,374
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,806/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,762
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,626
−HK$877/mo
Today · 4.125%
HK$29,503
baseline
▲ 0.50% · 4.625%
HK$31,298
+HK$1,795/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,006/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,885
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,713
−HK$841/mo
Today · 4.125%
HK$32,554
baseline
▲ 0.50% · 4.625%
HK$34,270
+HK$1,716/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,108/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,694
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,804
−HK$1,129/mo
Today · 4.125%
HK$37,933
baseline
▲ 0.50% · 4.625%
HK$40,241
+HK$2,308/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,866/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,709
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,774
−HK$1,081/mo
Today · 4.125%
HK$41,855
baseline
▲ 0.50% · 4.625%
HK$44,061
+HK$2,206/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,710/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,893 · 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).