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$19,846
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,463
−HK$627/mo
Today · 4.125%
HK$21,090
baseline
▲ 0.50% · 4.625%
HK$22,373
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,180/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,078
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,670
−HK$601/mo
Today · 4.125%
HK$23,271
baseline
▲ 0.50% · 4.625%
HK$24,498
+HK$1,227/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,542/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,815
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,556
−HK$752/mo
Today · 4.125%
HK$25,308
baseline
▲ 0.50% · 4.625%
HK$26,848
+HK$1,540/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,616/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,494
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,204
−HK$721/mo
Today · 4.125%
HK$27,925
baseline
▲ 0.50% · 4.625%
HK$29,397
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,850/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,784
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,648
−HK$878/mo
Today · 4.125%
HK$29,526
baseline
▲ 0.50% · 4.625%
HK$31,323
+HK$1,797/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,052/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,909
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,738
−HK$841/mo
Today · 4.125%
HK$32,579
baseline
▲ 0.50% · 4.625%
HK$34,297
+HK$1,718/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,158/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,722
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,833
−HK$1,129/mo
Today · 4.125%
HK$37,962
baseline
▲ 0.50% · 4.625%
HK$40,272
+HK$2,310/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,924/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,741
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,806
−HK$1,082/mo
Today · 4.125%
HK$41,888
baseline
▲ 0.50% · 4.625%
HK$44,096
+HK$2,208/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,776/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,099 · 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).