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$20,073
−HK$1,258/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$264,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,331
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,930
−HK$607/mo
Today · 4.125%
HK$23,537
baseline
▲ 0.50% · 4.625%
HK$24,778
+HK$1,241/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$264,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,087
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,837
−HK$761/mo
Today · 4.125%
HK$25,598
baseline
▲ 0.50% · 4.625%
HK$27,155
+HK$1,557/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,196/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,797
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,516
−HK$729/mo
Today · 4.125%
HK$28,245
baseline
▲ 0.50% · 4.625%
HK$29,733
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,490/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,102
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,976
−HK$888/mo
Today · 4.125%
HK$29,864
baseline
▲ 0.50% · 4.625%
HK$31,681
+HK$1,817/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,728/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$264,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,263
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,101
−HK$851/mo
Today · 4.125%
HK$32,952
baseline
▲ 0.50% · 4.625%
HK$34,689
+HK$1,737/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,904/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$264,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,131
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,255
−HK$1,142/mo
Today · 4.125%
HK$38,397
baseline
▲ 0.50% · 4.625%
HK$40,733
+HK$2,336/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,794/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,195
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,273
−HK$1,094/mo
Today · 4.125%
HK$42,367
baseline
▲ 0.50% · 4.625%
HK$44,600
+HK$2,233/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,734/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,085 · 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).