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$20,048
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,672
−HK$634/mo
Today · 4.125%
HK$21,306
baseline
▲ 0.50% · 4.625%
HK$22,602
+HK$1,296/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,612/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,304
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,902
−HK$607/mo
Today · 4.125%
HK$23,509
baseline
▲ 0.50% · 4.625%
HK$24,748
+HK$1,239/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,018/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,058
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,806
−HK$761/mo
Today · 4.125%
HK$25,567
baseline
▲ 0.50% · 4.625%
HK$27,122
+HK$1,555/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,134/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,764
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,482
−HK$728/mo
Today · 4.125%
HK$28,210
baseline
▲ 0.50% · 4.625%
HK$29,697
+HK$1,487/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,420/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,068
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,941
−HK$887/mo
Today · 4.125%
HK$29,828
baseline
▲ 0.50% · 4.625%
HK$31,643
+HK$1,815/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,656/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,225
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,062
−HK$850/mo
Today · 4.125%
HK$32,912
baseline
▲ 0.50% · 4.625%
HK$34,647
+HK$1,735/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,824/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,087
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,210
−HK$1,140/mo
Today · 4.125%
HK$38,350
baseline
▲ 0.50% · 4.625%
HK$40,684
+HK$2,334/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,700/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,146
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,223
−HK$1,092/mo
Today · 4.125%
HK$42,315
baseline
▲ 0.50% · 4.625%
HK$44,546
+HK$2,231/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,630/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,765 · 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).