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$20,068
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,693
−HK$634/mo
Today · 4.125%
HK$21,327
baseline
▲ 0.50% · 4.625%
HK$22,624
+HK$1,297/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$264,027 · 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$24,772
+HK$1,240/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$264,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,082
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,831
−HK$761/mo
Today · 4.125%
HK$25,592
baseline
▲ 0.50% · 4.625%
HK$27,149
+HK$1,557/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,184/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$264,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,791
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,509
−HK$729/mo
Today · 4.125%
HK$28,238
baseline
▲ 0.50% · 4.625%
HK$29,727
+HK$1,489/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,476/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$264,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,096
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,970
−HK$887/mo
Today · 4.125%
HK$29,857
baseline
▲ 0.50% · 4.625%
HK$31,674
+HK$1,817/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,714/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$264,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,256
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,094
−HK$851/mo
Today · 4.125%
HK$32,945
baseline
▲ 0.50% · 4.625%
HK$34,681
+HK$1,736/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$264,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,123
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,247
−HK$1,141/mo
Today · 4.125%
HK$38,388
baseline
▲ 0.50% · 4.625%
HK$40,724
+HK$2,336/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,776/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,186
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,264
−HK$1,094/mo
Today · 4.125%
HK$42,358
baseline
▲ 0.50% · 4.625%
HK$44,590
+HK$2,232/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$264,027 · 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).