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$20,083
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,708
−HK$635/mo
Today · 4.125%
HK$21,343
baseline
▲ 0.50% · 4.625%
HK$22,641
+HK$1,298/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,686/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,342
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,942
−HK$607/mo
Today · 4.125%
HK$23,549
baseline
▲ 0.50% · 4.625%
HK$24,791
+HK$1,242/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,098/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,100
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,850
−HK$761/mo
Today · 4.125%
HK$25,611
baseline
▲ 0.50% · 4.625%
HK$27,170
+HK$1,559/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,222/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,811
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,530
−HK$729/mo
Today · 4.125%
HK$28,259
baseline
▲ 0.50% · 4.625%
HK$29,749
+HK$1,490/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,518/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,117
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,991
−HK$889/mo
Today · 4.125%
HK$29,880
baseline
▲ 0.50% · 4.625%
HK$31,698
+HK$1,818/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,760/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,279
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,118
−HK$851/mo
Today · 4.125%
HK$32,969
baseline
▲ 0.50% · 4.625%
HK$34,707
+HK$1,738/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,938/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,150
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,274
−HK$1,143/mo
Today · 4.125%
HK$38,417
baseline
▲ 0.50% · 4.625%
HK$40,754
+HK$2,337/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,834/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,216
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,295
−HK$1,094/mo
Today · 4.125%
HK$42,389
baseline
▲ 0.50% · 4.625%
HK$44,623
+HK$2,234/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,778/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,224 · 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).