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$19,854
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,472
−HK$627/mo
Today · 4.125%
HK$21,099
baseline
▲ 0.50% · 4.625%
HK$22,383
+HK$1,284/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,198/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,088
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,680
−HK$601/mo
Today · 4.125%
HK$23,281
baseline
▲ 0.50% · 4.625%
HK$24,508
+HK$1,227/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,562/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,825
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,566
−HK$753/mo
Today · 4.125%
HK$25,319
baseline
▲ 0.50% · 4.625%
HK$26,860
+HK$1,541/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,638/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,505
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,216
−HK$721/mo
Today · 4.125%
HK$27,937
baseline
▲ 0.50% · 4.625%
HK$29,410
+HK$1,473/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,874/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,796
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,661
−HK$878/mo
Today · 4.125%
HK$29,539
baseline
▲ 0.50% · 4.625%
HK$31,336
+HK$1,797/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,078/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,923
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,752
−HK$841/mo
Today · 4.125%
HK$32,593
baseline
▲ 0.50% · 4.625%
HK$34,311
+HK$1,718/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,186/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,738
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,849
−HK$1,130/mo
Today · 4.125%
HK$37,979
baseline
▲ 0.50% · 4.625%
HK$40,290
+HK$2,311/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$75,958/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,758
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,824
−HK$1,082/mo
Today · 4.125%
HK$41,906
baseline
▲ 0.50% · 4.625%
HK$44,115
+HK$2,209/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,812/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,211 · 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).