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$20,063
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,687
−HK$634/mo
Today · 4.125%
HK$21,321
baseline
▲ 0.50% · 4.625%
HK$22,618
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,642/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,320
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,918
−HK$607/mo
Today · 4.125%
HK$23,525
baseline
▲ 0.50% · 4.625%
HK$24,766
+HK$1,241/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,050/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,075
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,824
−HK$761/mo
Today · 4.125%
HK$25,585
baseline
▲ 0.50% · 4.625%
HK$27,142
+HK$1,557/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,170/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,784
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,502
−HK$729/mo
Today · 4.125%
HK$28,231
baseline
▲ 0.50% · 4.625%
HK$29,719
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,462/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,088
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,962
−HK$887/mo
Today · 4.125%
HK$29,849
baseline
▲ 0.50% · 4.625%
HK$31,666
+HK$1,817/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,698/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,247
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,086
−HK$850/mo
Today · 4.125%
HK$32,936
baseline
▲ 0.50% · 4.625%
HK$34,672
+HK$1,736/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,872/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,113
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,236
−HK$1,142/mo
Today · 4.125%
HK$38,378
baseline
▲ 0.50% · 4.625%
HK$40,713
+HK$2,335/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,756/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,175
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,253
−HK$1,093/mo
Today · 4.125%
HK$42,346
baseline
▲ 0.50% · 4.625%
HK$44,578
+HK$2,232/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,692/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,955 · 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).