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$20,070
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,695
−HK$634/mo
Today · 4.125%
HK$21,329
baseline
▲ 0.50% · 4.625%
HK$22,627
+HK$1,298/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,658/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$264,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,328
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,927
−HK$608/mo
Today · 4.125%
HK$23,535
baseline
▲ 0.50% · 4.625%
HK$24,775
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,070/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$264,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,085
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,834
−HK$761/mo
Today · 4.125%
HK$25,595
baseline
▲ 0.50% · 4.625%
HK$27,152
+HK$1,557/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,190/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$264,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,794
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,512
−HK$729/mo
Today · 4.125%
HK$28,241
baseline
▲ 0.50% · 4.625%
HK$29,730
+HK$1,489/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,482/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$264,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,099
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,973
−HK$888/mo
Today · 4.125%
HK$29,861
baseline
▲ 0.50% · 4.625%
HK$31,678
+HK$1,817/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,722/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$264,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,259
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,098
−HK$850/mo
Today · 4.125%
HK$32,948
baseline
▲ 0.50% · 4.625%
HK$34,685
+HK$1,737/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,896/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$264,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,127
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,251
−HK$1,141/mo
Today · 4.125%
HK$38,392
baseline
▲ 0.50% · 4.625%
HK$40,728
+HK$2,336/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,784/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,191
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,269
−HK$1,093/mo
Today · 4.125%
HK$42,362
baseline
▲ 0.50% · 4.625%
HK$44,595
+HK$2,233/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,724/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,056 · 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).