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$20,076
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,700
−HK$635/mo
Today · 4.125%
HK$21,335
baseline
▲ 0.50% · 4.625%
HK$22,633
+HK$1,298/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,670/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,334
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,933
−HK$608/mo
Today · 4.125%
HK$23,541
baseline
▲ 0.50% · 4.625%
HK$24,781
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,082/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,091
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,840
−HK$761/mo
Today · 4.125%
HK$25,601
baseline
▲ 0.50% · 4.625%
HK$27,159
+HK$1,558/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,202/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,801
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,519
−HK$730/mo
Today · 4.125%
HK$28,249
baseline
▲ 0.50% · 4.625%
HK$29,738
+HK$1,489/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,498/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,106
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,980
−HK$888/mo
Today · 4.125%
HK$29,868
baseline
▲ 0.50% · 4.625%
HK$31,686
+HK$1,818/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,736/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,267
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,106
−HK$851/mo
Today · 4.125%
HK$32,957
baseline
▲ 0.50% · 4.625%
HK$34,694
+HK$1,737/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,914/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,136
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,260
−HK$1,142/mo
Today · 4.125%
HK$38,402
baseline
▲ 0.50% · 4.625%
HK$40,739
+HK$2,337/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,804/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,201
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,279
−HK$1,094/mo
Today · 4.125%
HK$42,373
baseline
▲ 0.50% · 4.625%
HK$44,607
+HK$2,234/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,746/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,124 · 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).