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$19,848
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,466
−HK$627/mo
Today · 4.125%
HK$21,093
baseline
▲ 0.50% · 4.625%
HK$22,377
+HK$1,284/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,186/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,081
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,673
−HK$601/mo
Today · 4.125%
HK$23,274
baseline
▲ 0.50% · 4.625%
HK$24,501
+HK$1,227/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,548/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,818
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,559
−HK$753/mo
Today · 4.125%
HK$25,312
baseline
▲ 0.50% · 4.625%
HK$26,852
+HK$1,540/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,624/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,497
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,208
−HK$721/mo
Today · 4.125%
HK$27,929
baseline
▲ 0.50% · 4.625%
HK$29,401
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,858/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,788
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,652
−HK$878/mo
Today · 4.125%
HK$29,530
baseline
▲ 0.50% · 4.625%
HK$31,327
+HK$1,797/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,060/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,914
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,743
−HK$841/mo
Today · 4.125%
HK$32,584
baseline
▲ 0.50% · 4.625%
HK$34,301
+HK$1,717/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,168/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,727
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,838
−HK$1,130/mo
Today · 4.125%
HK$37,968
baseline
▲ 0.50% · 4.625%
HK$40,278
+HK$2,310/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,936/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,746
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,812
−HK$1,081/mo
Today · 4.125%
HK$41,893
baseline
▲ 0.50% · 4.625%
HK$44,102
+HK$2,209/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,786/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,134 · 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).