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$20,089
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,714
−HK$634/mo
Today · 4.125%
HK$21,348
baseline
▲ 0.50% · 4.625%
HK$22,647
+HK$1,299/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,696/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,349
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,948
−HK$608/mo
Today · 4.125%
HK$23,556
baseline
▲ 0.50% · 4.625%
HK$24,798
+HK$1,242/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,112/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,106
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,856
−HK$762/mo
Today · 4.125%
HK$25,618
baseline
▲ 0.50% · 4.625%
HK$27,177
+HK$1,559/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$51,236/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,818
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,537
−HK$730/mo
Today · 4.125%
HK$28,267
baseline
▲ 0.50% · 4.625%
HK$29,757
+HK$1,490/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$56,534/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,124
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$28,999
−HK$889/mo
Today · 4.125%
HK$29,888
baseline
▲ 0.50% · 4.625%
HK$31,706
+HK$1,818/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,776/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,288
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,127
−HK$851/mo
Today · 4.125%
HK$32,978
baseline
▲ 0.50% · 4.625%
HK$34,717
+HK$1,739/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,956/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,160
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,285
−HK$1,142/mo
Today · 4.125%
HK$38,427
baseline
▲ 0.50% · 4.625%
HK$40,765
+HK$2,338/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,854/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,227
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,306
−HK$1,095/mo
Today · 4.125%
HK$42,401
baseline
▲ 0.50% · 4.625%
HK$44,636
+HK$2,235/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,802/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,296 · 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).