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$19,838
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,456
−HK$627/mo
Today · 4.125%
HK$21,083
baseline
▲ 0.50% · 4.625%
HK$22,365
+HK$1,282/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$261,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,070
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,662
−HK$600/mo
Today · 4.125%
HK$23,262
baseline
▲ 0.50% · 4.625%
HK$24,489
+HK$1,227/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,524/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,806
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,547
−HK$752/mo
Today · 4.125%
HK$25,299
baseline
▲ 0.50% · 4.625%
HK$26,838
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,598/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,484
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,194
−HK$721/mo
Today · 4.125%
HK$27,915
baseline
▲ 0.50% · 4.625%
HK$29,386
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,830/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,774
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,638
−HK$878/mo
Today · 4.125%
HK$29,516
baseline
▲ 0.50% · 4.625%
HK$31,311
+HK$1,795/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$261,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,898
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,727
−HK$840/mo
Today · 4.125%
HK$32,567
baseline
▲ 0.50% · 4.625%
HK$34,284
+HK$1,717/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,134/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,709
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,820
−HK$1,129/mo
Today · 4.125%
HK$37,949
baseline
▲ 0.50% · 4.625%
HK$40,258
+HK$2,309/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,898/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,726
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,792
−HK$1,080/mo
Today · 4.125%
HK$41,872
baseline
▲ 0.50% · 4.625%
HK$44,080
+HK$2,208/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,744/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,004 · 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).