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$20,059
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,683
−HK$634/mo
Today · 4.125%
HK$21,317
baseline
▲ 0.50% · 4.625%
HK$22,614
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,634/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,316
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,914
−HK$608/mo
Today · 4.125%
HK$23,522
baseline
▲ 0.50% · 4.625%
HK$24,761
+HK$1,239/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,044/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,071
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,820
−HK$761/mo
Today · 4.125%
HK$25,581
baseline
▲ 0.50% · 4.625%
HK$27,137
+HK$1,556/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,162/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,779
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,497
−HK$729/mo
Today · 4.125%
HK$28,226
baseline
▲ 0.50% · 4.625%
HK$29,714
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,452/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,083
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,957
−HK$887/mo
Today · 4.125%
HK$29,844
baseline
▲ 0.50% · 4.625%
HK$31,660
+HK$1,816/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,688/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,242
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,080
−HK$850/mo
Today · 4.125%
HK$32,930
baseline
▲ 0.50% · 4.625%
HK$34,666
+HK$1,736/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,860/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,107
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,230
−HK$1,141/mo
Today · 4.125%
HK$38,371
baseline
▲ 0.50% · 4.625%
HK$40,706
+HK$2,335/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,742/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,169
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,246
−HK$1,093/mo
Today · 4.125%
HK$42,339
baseline
▲ 0.50% · 4.625%
HK$44,571
+HK$2,232/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,678/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,911 · 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).