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$261,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,074
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,666
−HK$600/mo
Today · 4.125%
HK$23,266
baseline
▲ 0.50% · 4.625%
HK$24,493
+HK$1,227/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$261,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,810
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,551
−HK$752/mo
Today · 4.125%
HK$25,303
baseline
▲ 0.50% · 4.625%
HK$26,843
+HK$1,540/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$261,047 · 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$29,391
+HK$1,471/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$261,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,779
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,643
−HK$877/mo
Today · 4.125%
HK$29,520
baseline
▲ 0.50% · 4.625%
HK$31,317
+HK$1,797/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$261,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,903
−HK$1,670/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$261,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,715
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,826
−HK$1,129/mo
Today · 4.125%
HK$37,955
baseline
▲ 0.50% · 4.625%
HK$40,264
+HK$2,309/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$261,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,733
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,798
−HK$1,081/mo
Today · 4.125%
HK$41,879
baseline
▲ 0.50% · 4.625%
HK$44,087
+HK$2,208/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$261,047 · 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).