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$20,072
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,697
−HK$634/mo
Today · 4.125%
HK$21,331
baseline
▲ 0.50% · 4.625%
HK$22,629
+HK$1,298/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,662/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,330
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,929
−HK$608/mo
Today · 4.125%
HK$23,537
baseline
▲ 0.50% · 4.625%
HK$24,777
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,074/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,087
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,836
−HK$761/mo
Today · 4.125%
HK$25,597
baseline
▲ 0.50% · 4.625%
HK$27,155
+HK$1,558/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,194/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,796
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,515
−HK$729/mo
Today · 4.125%
HK$28,244
baseline
▲ 0.50% · 4.625%
HK$29,733
+HK$1,489/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,488/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,101
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,975
−HK$888/mo
Today · 4.125%
HK$29,863
baseline
▲ 0.50% · 4.625%
HK$31,680
+HK$1,817/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,726/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$264,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,262
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,101
−HK$850/mo
Today · 4.125%
HK$32,951
baseline
▲ 0.50% · 4.625%
HK$34,688
+HK$1,737/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,902/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$264,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,130
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,254
−HK$1,142/mo
Today · 4.125%
HK$38,396
baseline
▲ 0.50% · 4.625%
HK$40,732
+HK$2,336/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,792/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,194
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,272
−HK$1,094/mo
Today · 4.125%
HK$42,366
baseline
▲ 0.50% · 4.625%
HK$44,599
+HK$2,233/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,732/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,079 · 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).