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$20,046
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,670
−HK$633/mo
Today · 4.125%
HK$21,303
baseline
▲ 0.50% · 4.625%
HK$22,600
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,606/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,301
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,899
−HK$607/mo
Today · 4.125%
HK$23,506
baseline
▲ 0.50% · 4.625%
HK$24,745
+HK$1,239/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,012/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,056
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,804
−HK$760/mo
Today · 4.125%
HK$25,564
baseline
▲ 0.50% · 4.625%
HK$27,120
+HK$1,556/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$51,128/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,762
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,479
−HK$728/mo
Today · 4.125%
HK$28,207
baseline
▲ 0.50% · 4.625%
HK$29,694
+HK$1,487/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$56,414/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,065
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,938
−HK$887/mo
Today · 4.125%
HK$29,825
baseline
▲ 0.50% · 4.625%
HK$31,640
+HK$1,815/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,650/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,222
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,059
−HK$850/mo
Today · 4.125%
HK$32,909
baseline
▲ 0.50% · 4.625%
HK$34,643
+HK$1,734/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,818/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,083
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,206
−HK$1,140/mo
Today · 4.125%
HK$38,346
baseline
▲ 0.50% · 4.625%
HK$40,679
+HK$2,333/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,692/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,142
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,219
−HK$1,092/mo
Today · 4.125%
HK$42,311
baseline
▲ 0.50% · 4.625%
HK$44,541
+HK$2,230/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,622/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,738 · 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).