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$19,853
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,470
−HK$628/mo
Today · 4.125%
HK$21,098
baseline
▲ 0.50% · 4.625%
HK$22,381
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,196/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,086
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,678
−HK$601/mo
Today · 4.125%
HK$23,279
baseline
▲ 0.50% · 4.625%
HK$24,506
+HK$1,227/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,558/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,823
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,564
−HK$753/mo
Today · 4.125%
HK$25,317
baseline
▲ 0.50% · 4.625%
HK$26,858
+HK$1,541/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,634/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,503
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,214
−HK$721/mo
Today · 4.125%
HK$27,935
baseline
▲ 0.50% · 4.625%
HK$29,407
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,870/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,794
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,658
−HK$879/mo
Today · 4.125%
HK$29,537
baseline
▲ 0.50% · 4.625%
HK$31,334
+HK$1,797/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,074/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,920
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,749
−HK$842/mo
Today · 4.125%
HK$32,591
baseline
▲ 0.50% · 4.625%
HK$34,309
+HK$1,718/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,182/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,735
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,846
−HK$1,130/mo
Today · 4.125%
HK$37,976
baseline
▲ 0.50% · 4.625%
HK$40,286
+HK$2,310/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$75,952/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,755
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,821
−HK$1,081/mo
Today · 4.125%
HK$41,902
baseline
▲ 0.50% · 4.625%
HK$44,111
+HK$2,209/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,804/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,190 · 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).