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$20,061
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,685
−HK$634/mo
Today · 4.125%
HK$21,319
baseline
▲ 0.50% · 4.625%
HK$22,616
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,638/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,318
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,916
−HK$608/mo
Today · 4.125%
HK$23,524
baseline
▲ 0.50% · 4.625%
HK$24,764
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,048/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,073
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,822
−HK$761/mo
Today · 4.125%
HK$25,583
baseline
▲ 0.50% · 4.625%
HK$27,140
+HK$1,557/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,166/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,782
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,500
−HK$728/mo
Today · 4.125%
HK$28,228
baseline
▲ 0.50% · 4.625%
HK$29,716
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,456/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,086
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,959
−HK$888/mo
Today · 4.125%
HK$29,847
baseline
▲ 0.50% · 4.625%
HK$31,663
+HK$1,816/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,694/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,245
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,083
−HK$850/mo
Today · 4.125%
HK$32,933
baseline
▲ 0.50% · 4.625%
HK$34,669
+HK$1,736/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,866/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,110
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,233
−HK$1,142/mo
Today · 4.125%
HK$38,375
baseline
▲ 0.50% · 4.625%
HK$40,710
+HK$2,335/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,750/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,172
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,250
−HK$1,093/mo
Today · 4.125%
HK$42,343
baseline
▲ 0.50% · 4.625%
HK$44,575
+HK$2,232/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,686/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,934 · 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).