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$19,843
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,460
−HK$627/mo
Today · 4.125%
HK$21,087
baseline
▲ 0.50% · 4.625%
HK$22,371
+HK$1,284/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,174/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,075
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,667
−HK$601/mo
Today · 4.125%
HK$23,268
baseline
▲ 0.50% · 4.625%
HK$24,494
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,536/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,812
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,552
−HK$753/mo
Today · 4.125%
HK$25,305
baseline
▲ 0.50% · 4.625%
HK$26,845
+HK$1,540/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,610/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,490
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,201
−HK$720/mo
Today · 4.125%
HK$27,921
baseline
▲ 0.50% · 4.625%
HK$29,393
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,842/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,780
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,644
−HK$878/mo
Today · 4.125%
HK$29,522
baseline
▲ 0.50% · 4.625%
HK$31,319
+HK$1,797/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,044/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,905
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,734
−HK$841/mo
Today · 4.125%
HK$32,575
baseline
▲ 0.50% · 4.625%
HK$34,292
+HK$1,717/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,150/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,718
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,829
−HK$1,128/mo
Today · 4.125%
HK$37,957
baseline
▲ 0.50% · 4.625%
HK$40,267
+HK$2,310/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,914/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,735
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,801
−HK$1,081/mo
Today · 4.125%
HK$41,882
baseline
▲ 0.50% · 4.625%
HK$44,090
+HK$2,208/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,764/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,064 · 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).