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$19,840
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,457
−HK$627/mo
Today · 4.125%
HK$21,084
baseline
▲ 0.50% · 4.625%
HK$22,367
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,168/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,072
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,664
−HK$601/mo
Today · 4.125%
HK$23,265
baseline
▲ 0.50% · 4.625%
HK$24,491
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,530/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,808
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,549
−HK$752/mo
Today · 4.125%
HK$25,301
baseline
▲ 0.50% · 4.625%
HK$26,841
+HK$1,540/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,602/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,487
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,197
−HK$721/mo
Today · 4.125%
HK$27,918
baseline
▲ 0.50% · 4.625%
HK$29,389
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,836/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,776
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,640
−HK$878/mo
Today · 4.125%
HK$29,518
baseline
▲ 0.50% · 4.625%
HK$31,314
+HK$1,796/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,036/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,901
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,730
−HK$841/mo
Today · 4.125%
HK$32,571
baseline
▲ 0.50% · 4.625%
HK$34,287
+HK$1,716/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,142/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,713
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,823
−HK$1,129/mo
Today · 4.125%
HK$37,952
baseline
▲ 0.50% · 4.625%
HK$40,261
+HK$2,309/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,904/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,730
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,795
−HK$1,081/mo
Today · 4.125%
HK$41,876
baseline
▲ 0.50% · 4.625%
HK$44,084
+HK$2,208/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,752/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,028 · 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).