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$20,047
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,671
−HK$633/mo
Today · 4.125%
HK$21,304
baseline
▲ 0.50% · 4.625%
HK$22,601
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,608/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,302
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,901
−HK$606/mo
Today · 4.125%
HK$23,507
baseline
▲ 0.50% · 4.625%
HK$24,746
+HK$1,239/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,014/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,057
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,805
−HK$760/mo
Today · 4.125%
HK$25,565
baseline
▲ 0.50% · 4.625%
HK$27,121
+HK$1,556/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,130/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,763
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,481
−HK$728/mo
Today · 4.125%
HK$28,209
baseline
▲ 0.50% · 4.625%
HK$29,696
+HK$1,487/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,418/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,066
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,939
−HK$887/mo
Today · 4.125%
HK$29,826
baseline
▲ 0.50% · 4.625%
HK$31,641
+HK$1,815/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,652/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,223
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,061
−HK$849/mo
Today · 4.125%
HK$32,910
baseline
▲ 0.50% · 4.625%
HK$34,645
+HK$1,735/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,820/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,085
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,208
−HK$1,140/mo
Today · 4.125%
HK$38,348
baseline
▲ 0.50% · 4.625%
HK$40,681
+HK$2,333/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,696/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,144
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,221
−HK$1,092/mo
Today · 4.125%
HK$42,313
baseline
▲ 0.50% · 4.625%
HK$44,544
+HK$2,231/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,626/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,751 · 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).