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$20,044
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,668
−HK$633/mo
Today · 4.125%
HK$21,301
baseline
▲ 0.50% · 4.625%
HK$22,597
+HK$1,296/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,602/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,299
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,897
−HK$607/mo
Today · 4.125%
HK$23,504
baseline
▲ 0.50% · 4.625%
HK$24,742
+HK$1,238/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,008/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,053
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,801
−HK$760/mo
Today · 4.125%
HK$25,561
baseline
▲ 0.50% · 4.625%
HK$27,117
+HK$1,556/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$51,122/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,759
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,476
−HK$728/mo
Today · 4.125%
HK$28,204
baseline
▲ 0.50% · 4.625%
HK$29,691
+HK$1,487/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$56,408/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,062
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,935
−HK$886/mo
Today · 4.125%
HK$29,821
baseline
▲ 0.50% · 4.625%
HK$31,636
+HK$1,815/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,642/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,218
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,056
−HK$849/mo
Today · 4.125%
HK$32,905
baseline
▲ 0.50% · 4.625%
HK$34,639
+HK$1,734/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,810/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,079
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,202
−HK$1,140/mo
Today · 4.125%
HK$38,342
baseline
▲ 0.50% · 4.625%
HK$40,675
+HK$2,333/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,684/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,138
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,214
−HK$1,092/mo
Today · 4.125%
HK$42,306
baseline
▲ 0.50% · 4.625%
HK$44,536
+HK$2,230/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,612/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,709 · 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).