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$20,055
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,678
−HK$634/mo
Today · 4.125%
HK$21,312
baseline
▲ 0.50% · 4.625%
HK$22,609
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,624/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,311
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,909
−HK$607/mo
Today · 4.125%
HK$23,516
baseline
▲ 0.50% · 4.625%
HK$24,756
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,032/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,066
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,814
−HK$761/mo
Today · 4.125%
HK$25,575
baseline
▲ 0.50% · 4.625%
HK$27,131
+HK$1,556/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,150/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,773
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,491
−HK$728/mo
Today · 4.125%
HK$28,219
baseline
▲ 0.50% · 4.625%
HK$29,707
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,438/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,077
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,950
−HK$887/mo
Today · 4.125%
HK$29,837
baseline
▲ 0.50% · 4.625%
HK$31,653
+HK$1,816/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,674/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,235
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,073
−HK$849/mo
Today · 4.125%
HK$32,922
baseline
▲ 0.50% · 4.625%
HK$34,658
+HK$1,736/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,844/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,098
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,221
−HK$1,141/mo
Today · 4.125%
HK$38,362
baseline
▲ 0.50% · 4.625%
HK$40,696
+HK$2,334/mo
Deposit HK$879K · loan HK$7.92M · min. income ≈ HK$76,724/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,159
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,236
−HK$1,093/mo
Today · 4.125%
HK$42,329
baseline
▲ 0.50% · 4.625%
HK$44,560
+HK$2,231/mo
Deposit HK$879K · loan HK$7.92M · min. income ≈ HK$84,658/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,848 · 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).