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$19,839
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,456
−HK$627/mo
Today · 4.125%
HK$21,083
baseline
▲ 0.50% · 4.625%
HK$22,366
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,166/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,071
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,663
−HK$600/mo
Today · 4.125%
HK$23,263
baseline
▲ 0.50% · 4.625%
HK$24,489
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,526/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,807
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,547
−HK$753/mo
Today · 4.125%
HK$25,300
baseline
▲ 0.50% · 4.625%
HK$26,839
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,600/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,485
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,195
−HK$721/mo
Today · 4.125%
HK$27,916
baseline
▲ 0.50% · 4.625%
HK$29,387
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,832/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,775
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,639
−HK$877/mo
Today · 4.125%
HK$29,516
baseline
▲ 0.50% · 4.625%
HK$31,313
+HK$1,797/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,032/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,899
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,728
−HK$841/mo
Today · 4.125%
HK$32,569
baseline
▲ 0.50% · 4.625%
HK$34,285
+HK$1,716/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,138/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,710
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,821
−HK$1,129/mo
Today · 4.125%
HK$37,950
baseline
▲ 0.50% · 4.625%
HK$40,259
+HK$2,309/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,900/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,727
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,793
−HK$1,081/mo
Today · 4.125%
HK$41,874
baseline
▲ 0.50% · 4.625%
HK$44,081
+HK$2,207/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,748/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,012 · 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).