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$20,080
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,704
−HK$635/mo
Today · 4.125%
HK$21,339
baseline
▲ 0.50% · 4.625%
HK$22,637
+HK$1,298/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,678/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,339
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,938
−HK$607/mo
Today · 4.125%
HK$23,545
baseline
▲ 0.50% · 4.625%
HK$24,787
+HK$1,242/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,090/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,096
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,845
−HK$762/mo
Today · 4.125%
HK$25,607
baseline
▲ 0.50% · 4.625%
HK$27,165
+HK$1,558/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,214/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,806
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,525
−HK$730/mo
Today · 4.125%
HK$28,255
baseline
▲ 0.50% · 4.625%
HK$29,744
+HK$1,489/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,510/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,112
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,986
−HK$889/mo
Today · 4.125%
HK$29,875
baseline
▲ 0.50% · 4.625%
HK$31,692
+HK$1,817/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,750/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,274
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,113
−HK$851/mo
Today · 4.125%
HK$32,964
baseline
▲ 0.50% · 4.625%
HK$34,701
+HK$1,737/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,928/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,144
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,268
−HK$1,142/mo
Today · 4.125%
HK$38,410
baseline
▲ 0.50% · 4.625%
HK$40,747
+HK$2,337/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,820/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,209
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,288
−HK$1,094/mo
Today · 4.125%
HK$42,382
baseline
▲ 0.50% · 4.625%
HK$44,616
+HK$2,234/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,764/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,179 · 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).