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$19,827
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,444
−HK$627/mo
Today · 4.125%
HK$21,071
baseline
▲ 0.50% · 4.625%
HK$22,353
+HK$1,282/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,142/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,058
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,649
−HK$601/mo
Today · 4.125%
HK$23,250
baseline
▲ 0.50% · 4.625%
HK$24,475
+HK$1,225/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,500/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,793
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,533
−HK$752/mo
Today · 4.125%
HK$25,285
baseline
▲ 0.50% · 4.625%
HK$26,824
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,570/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,469
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,179
−HK$720/mo
Today · 4.125%
HK$27,899
baseline
▲ 0.50% · 4.625%
HK$29,370
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,798/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,758
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,622
−HK$877/mo
Today · 4.125%
HK$29,499
baseline
▲ 0.50% · 4.625%
HK$31,294
+HK$1,795/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$58,998/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,881
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,709
−HK$840/mo
Today · 4.125%
HK$32,549
baseline
▲ 0.50% · 4.625%
HK$34,265
+HK$1,716/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,098/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,689
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,800
−HK$1,127/mo
Today · 4.125%
HK$37,927
baseline
▲ 0.50% · 4.625%
HK$40,235
+HK$2,308/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,854/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,704
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,769
−HK$1,080/mo
Today · 4.125%
HK$41,849
baseline
▲ 0.50% · 4.625%
HK$44,055
+HK$2,206/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,698/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,859 · 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).