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$19,841
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,459
−HK$627/mo
Today · 4.125%
HK$21,086
baseline
▲ 0.50% · 4.625%
HK$22,369
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,172/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,073
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,665
−HK$601/mo
Today · 4.125%
HK$23,266
baseline
▲ 0.50% · 4.625%
HK$24,492
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,532/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,810
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,550
−HK$753/mo
Today · 4.125%
HK$25,303
baseline
▲ 0.50% · 4.625%
HK$26,842
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,606/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,488
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,199
−HK$720/mo
Today · 4.125%
HK$27,919
baseline
▲ 0.50% · 4.625%
HK$29,391
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,838/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,778
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,642
−HK$878/mo
Today · 4.125%
HK$29,520
baseline
▲ 0.50% · 4.625%
HK$31,316
+HK$1,796/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,040/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,903
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,732
−HK$840/mo
Today · 4.125%
HK$32,572
baseline
▲ 0.50% · 4.625%
HK$34,289
+HK$1,717/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,144/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,715
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,826
−HK$1,128/mo
Today · 4.125%
HK$37,954
baseline
▲ 0.50% · 4.625%
HK$40,264
+HK$2,310/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,908/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,732
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,798
−HK$1,081/mo
Today · 4.125%
HK$41,879
baseline
▲ 0.50% · 4.625%
HK$44,086
+HK$2,207/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,758/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,043 · 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).