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$20,084
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,709
−HK$634/mo
Today · 4.125%
HK$21,343
baseline
▲ 0.50% · 4.625%
HK$22,642
+HK$1,299/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$264,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,343
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,943
−HK$607/mo
Today · 4.125%
HK$23,550
baseline
▲ 0.50% · 4.625%
HK$24,792
+HK$1,242/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,100/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,101
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,850
−HK$762/mo
Today · 4.125%
HK$25,612
baseline
▲ 0.50% · 4.625%
HK$27,171
+HK$1,559/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,224/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,812
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,531
−HK$729/mo
Today · 4.125%
HK$28,260
baseline
▲ 0.50% · 4.625%
HK$29,750
+HK$1,490/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,520/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,118
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,992
−HK$889/mo
Today · 4.125%
HK$29,881
baseline
▲ 0.50% · 4.625%
HK$31,699
+HK$1,818/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,762/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,281
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,120
−HK$851/mo
Today · 4.125%
HK$32,971
baseline
▲ 0.50% · 4.625%
HK$34,708
+HK$1,737/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,942/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,151
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,276
−HK$1,142/mo
Today · 4.125%
HK$38,418
baseline
▲ 0.50% · 4.625%
HK$40,756
+HK$2,338/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,836/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,218
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,297
−HK$1,094/mo
Today · 4.125%
HK$42,391
baseline
▲ 0.50% · 4.625%
HK$44,625
+HK$2,234/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,782/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,234 · 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).