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$20,087
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,712
−HK$635/mo
Today · 4.125%
HK$21,347
baseline
▲ 0.50% · 4.625%
HK$22,646
+HK$1,299/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,694/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,347
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,946
−HK$608/mo
Today · 4.125%
HK$23,554
baseline
▲ 0.50% · 4.625%
HK$24,795
+HK$1,241/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,108/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,104
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,854
−HK$762/mo
Today · 4.125%
HK$25,616
baseline
▲ 0.50% · 4.625%
HK$27,175
+HK$1,559/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$51,232/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,816
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,535
−HK$730/mo
Today · 4.125%
HK$28,265
baseline
▲ 0.50% · 4.625%
HK$29,755
+HK$1,490/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$56,530/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,122
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,997
−HK$888/mo
Today · 4.125%
HK$29,885
baseline
▲ 0.50% · 4.625%
HK$31,704
+HK$1,819/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,770/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,285
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,124
−HK$851/mo
Today · 4.125%
HK$32,975
baseline
▲ 0.50% · 4.625%
HK$34,714
+HK$1,739/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,950/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,157
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,281
−HK$1,143/mo
Today · 4.125%
HK$38,424
baseline
▲ 0.50% · 4.625%
HK$40,762
+HK$2,338/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,848/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,224
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,303
−HK$1,094/mo
Today · 4.125%
HK$42,397
baseline
▲ 0.50% · 4.625%
HK$44,632
+HK$2,235/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,794/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,273 · 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).