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$19,828
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,445
−HK$627/mo
Today · 4.125%
HK$21,072
baseline
▲ 0.50% · 4.625%
HK$22,354
+HK$1,282/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,144/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,059
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,651
−HK$600/mo
Today · 4.125%
HK$23,251
baseline
▲ 0.50% · 4.625%
HK$24,476
+HK$1,225/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,502/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,794
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,534
−HK$752/mo
Today · 4.125%
HK$25,286
baseline
▲ 0.50% · 4.625%
HK$26,825
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,572/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,471
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,181
−HK$720/mo
Today · 4.125%
HK$27,901
baseline
▲ 0.50% · 4.625%
HK$29,371
+HK$1,470/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,802/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,760
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,623
−HK$878/mo
Today · 4.125%
HK$29,501
baseline
▲ 0.50% · 4.625%
HK$31,296
+HK$1,795/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,002/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,882
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,711
−HK$840/mo
Today · 4.125%
HK$32,551
baseline
▲ 0.50% · 4.625%
HK$34,267
+HK$1,716/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,102/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,691
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,801
−HK$1,128/mo
Today · 4.125%
HK$37,929
baseline
▲ 0.50% · 4.625%
HK$40,237
+HK$2,308/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,858/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,706
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,771
−HK$1,080/mo
Today · 4.125%
HK$41,851
baseline
▲ 0.50% · 4.625%
HK$44,057
+HK$2,206/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,702/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,871 · 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).