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$20,054
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,678
−HK$633/mo
Today · 4.125%
HK$21,311
baseline
▲ 0.50% · 4.625%
HK$22,608
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,622/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,310
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,908
−HK$607/mo
Today · 4.125%
HK$23,515
baseline
▲ 0.50% · 4.625%
HK$24,755
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,030/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,065
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,813
−HK$761/mo
Today · 4.125%
HK$25,574
baseline
▲ 0.50% · 4.625%
HK$27,130
+HK$1,556/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,148/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,772
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,490
−HK$728/mo
Today · 4.125%
HK$28,218
baseline
▲ 0.50% · 4.625%
HK$29,706
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,436/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,075
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,949
−HK$887/mo
Today · 4.125%
HK$29,836
baseline
▲ 0.50% · 4.625%
HK$31,652
+HK$1,816/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,672/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,234
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,071
−HK$850/mo
Today · 4.125%
HK$32,921
baseline
▲ 0.50% · 4.625%
HK$34,656
+HK$1,735/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,842/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,097
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,220
−HK$1,141/mo
Today · 4.125%
HK$38,361
baseline
▲ 0.50% · 4.625%
HK$40,695
+HK$2,334/mo
Deposit HK$879K · loan HK$7.92M · min. income ≈ HK$76,722/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,158
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,235
−HK$1,092/mo
Today · 4.125%
HK$42,327
baseline
▲ 0.50% · 4.625%
HK$44,558
+HK$2,231/mo
Deposit HK$879K · loan HK$7.92M · min. income ≈ HK$84,654/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,838 · 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).