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$19,842
−HK$1,244/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$261,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,074
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,666
−HK$601/mo
Today · 4.125%
HK$23,267
baseline
▲ 0.50% · 4.625%
HK$24,493
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,534/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,810
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,551
−HK$753/mo
Today · 4.125%
HK$25,304
baseline
▲ 0.50% · 4.625%
HK$26,843
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,608/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,489
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,199
−HK$721/mo
Today · 4.125%
HK$27,920
baseline
▲ 0.50% · 4.625%
HK$29,392
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,840/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,779
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,643
−HK$878/mo
Today · 4.125%
HK$29,521
baseline
▲ 0.50% · 4.625%
HK$31,317
+HK$1,796/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,042/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,904
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,732
−HK$841/mo
Today · 4.125%
HK$32,573
baseline
▲ 0.50% · 4.625%
HK$34,290
+HK$1,717/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,146/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,716
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,827
−HK$1,128/mo
Today · 4.125%
HK$37,955
baseline
▲ 0.50% · 4.625%
HK$40,265
+HK$2,310/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,910/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,733
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,799
−HK$1,081/mo
Today · 4.125%
HK$41,880
baseline
▲ 0.50% · 4.625%
HK$44,088
+HK$2,208/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,760/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,050 · 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).