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$19,844
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,461
−HK$627/mo
Today · 4.125%
HK$21,088
baseline
▲ 0.50% · 4.625%
HK$22,372
+HK$1,284/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,176/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,076
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,668
−HK$601/mo
Today · 4.125%
HK$23,269
baseline
▲ 0.50% · 4.625%
HK$24,496
+HK$1,227/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,538/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,813
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,554
−HK$752/mo
Today · 4.125%
HK$25,306
baseline
▲ 0.50% · 4.625%
HK$26,846
+HK$1,540/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,612/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,492
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,202
−HK$721/mo
Today · 4.125%
HK$27,923
baseline
▲ 0.50% · 4.625%
HK$29,395
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,846/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,782
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,646
−HK$878/mo
Today · 4.125%
HK$29,524
baseline
▲ 0.50% · 4.625%
HK$31,320
+HK$1,796/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,048/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,907
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,736
−HK$841/mo
Today · 4.125%
HK$32,577
baseline
▲ 0.50% · 4.625%
HK$34,294
+HK$1,717/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,154/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,719
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,830
−HK$1,129/mo
Today · 4.125%
HK$37,959
baseline
▲ 0.50% · 4.625%
HK$40,269
+HK$2,310/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,918/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,737
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,803
−HK$1,081/mo
Today · 4.125%
HK$41,884
baseline
▲ 0.50% · 4.625%
HK$44,092
+HK$2,208/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,768/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,077 · 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).