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$19,852
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,470
−HK$627/mo
Today · 4.125%
HK$21,097
baseline
▲ 0.50% · 4.625%
HK$22,381
+HK$1,284/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,194/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,085
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,677
−HK$601/mo
Today · 4.125%
HK$23,278
baseline
▲ 0.50% · 4.625%
HK$24,505
+HK$1,227/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,556/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,822
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,563
−HK$753/mo
Today · 4.125%
HK$25,316
baseline
▲ 0.50% · 4.625%
HK$26,857
+HK$1,541/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,632/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,502
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,213
−HK$721/mo
Today · 4.125%
HK$27,934
baseline
▲ 0.50% · 4.625%
HK$29,406
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,868/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,793
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,657
−HK$879/mo
Today · 4.125%
HK$29,536
baseline
▲ 0.50% · 4.625%
HK$31,333
+HK$1,797/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,072/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,919
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,748
−HK$842/mo
Today · 4.125%
HK$32,590
baseline
▲ 0.50% · 4.625%
HK$34,308
+HK$1,718/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,180/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,734
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,845
−HK$1,129/mo
Today · 4.125%
HK$37,974
baseline
▲ 0.50% · 4.625%
HK$40,285
+HK$2,311/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$75,948/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,753
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,819
−HK$1,082/mo
Today · 4.125%
HK$41,901
baseline
▲ 0.50% · 4.625%
HK$44,110
+HK$2,209/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,802/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,182 · 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).