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$20,068
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,692
−HK$634/mo
Today · 4.125%
HK$21,326
baseline
▲ 0.50% · 4.625%
HK$22,624
+HK$1,298/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,652/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$264,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,325
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,924
−HK$607/mo
Today · 4.125%
HK$23,531
baseline
▲ 0.50% · 4.625%
HK$24,771
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,062/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$264,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,081
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,830
−HK$761/mo
Today · 4.125%
HK$25,591
baseline
▲ 0.50% · 4.625%
HK$27,148
+HK$1,557/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,182/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$264,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,790
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,508
−HK$729/mo
Today · 4.125%
HK$28,237
baseline
▲ 0.50% · 4.625%
HK$29,726
+HK$1,489/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,474/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$264,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,095
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,968
−HK$888/mo
Today · 4.125%
HK$29,856
baseline
▲ 0.50% · 4.625%
HK$31,673
+HK$1,817/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,712/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$264,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,255
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,093
−HK$851/mo
Today · 4.125%
HK$32,944
baseline
▲ 0.50% · 4.625%
HK$34,680
+HK$1,736/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,888/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$264,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,122
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,245
−HK$1,142/mo
Today · 4.125%
HK$38,387
baseline
▲ 0.50% · 4.625%
HK$40,722
+HK$2,335/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,774/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,185
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,263
−HK$1,093/mo
Today · 4.125%
HK$42,356
baseline
▲ 0.50% · 4.625%
HK$44,589
+HK$2,233/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,712/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,017 · 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).