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$19,848
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,465
−HK$627/mo
Today · 4.125%
HK$21,092
baseline
▲ 0.50% · 4.625%
HK$22,376
+HK$1,284/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,184/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,081
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,673
−HK$600/mo
Today · 4.125%
HK$23,273
baseline
▲ 0.50% · 4.625%
HK$24,500
+HK$1,227/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,546/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,817
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,558
−HK$753/mo
Today · 4.125%
HK$25,311
baseline
▲ 0.50% · 4.625%
HK$26,851
+HK$1,540/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,622/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,497
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,207
−HK$721/mo
Today · 4.125%
HK$27,928
baseline
▲ 0.50% · 4.625%
HK$29,400
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,856/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,787
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,651
−HK$878/mo
Today · 4.125%
HK$29,529
baseline
▲ 0.50% · 4.625%
HK$31,326
+HK$1,797/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,058/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,913
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,742
−HK$841/mo
Today · 4.125%
HK$32,583
baseline
▲ 0.50% · 4.625%
HK$34,300
+HK$1,717/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,166/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,726
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,837
−HK$1,129/mo
Today · 4.125%
HK$37,966
baseline
▲ 0.50% · 4.625%
HK$40,277
+HK$2,311/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,932/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,745
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,811
−HK$1,081/mo
Today · 4.125%
HK$41,892
baseline
▲ 0.50% · 4.625%
HK$44,100
+HK$2,208/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,784/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,127 · 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).