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$20,069
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,693
−HK$634/mo
Today · 4.125%
HK$21,327
baseline
▲ 0.50% · 4.625%
HK$22,625
+HK$1,298/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,654/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$264,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,326
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,925
−HK$607/mo
Today · 4.125%
HK$23,532
baseline
▲ 0.50% · 4.625%
HK$24,773
+HK$1,241/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,064/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$264,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,082
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,831
−HK$762/mo
Today · 4.125%
HK$25,593
baseline
▲ 0.50% · 4.625%
HK$27,150
+HK$1,557/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,186/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$264,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,791
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,510
−HK$729/mo
Today · 4.125%
HK$28,239
baseline
▲ 0.50% · 4.625%
HK$29,727
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,478/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$264,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,096
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,970
−HK$888/mo
Today · 4.125%
HK$29,858
baseline
▲ 0.50% · 4.625%
HK$31,675
+HK$1,817/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,716/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$264,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,257
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,095
−HK$850/mo
Today · 4.125%
HK$32,945
baseline
▲ 0.50% · 4.625%
HK$34,682
+HK$1,737/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,890/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$264,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,124
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,247
−HK$1,142/mo
Today · 4.125%
HK$38,389
baseline
▲ 0.50% · 4.625%
HK$40,725
+HK$2,336/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,778/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,187
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,265
−HK$1,093/mo
Today · 4.125%
HK$42,358
baseline
▲ 0.50% · 4.625%
HK$44,591
+HK$2,233/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,716/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,032 · 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).