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$20,063
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,688
−HK$634/mo
Today · 4.125%
HK$21,322
baseline
▲ 0.50% · 4.625%
HK$22,619
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,644/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,320
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,919
−HK$607/mo
Today · 4.125%
HK$23,526
baseline
▲ 0.50% · 4.625%
HK$24,766
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,052/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,076
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,825
−HK$761/mo
Today · 4.125%
HK$25,586
baseline
▲ 0.50% · 4.625%
HK$27,143
+HK$1,557/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,172/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,785
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,503
−HK$729/mo
Today · 4.125%
HK$28,232
baseline
▲ 0.50% · 4.625%
HK$29,720
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,464/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,089
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,963
−HK$887/mo
Today · 4.125%
HK$29,850
baseline
▲ 0.50% · 4.625%
HK$31,667
+HK$1,817/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,700/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,249
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,087
−HK$850/mo
Today · 4.125%
HK$32,937
baseline
▲ 0.50% · 4.625%
HK$34,673
+HK$1,736/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,874/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,114
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,238
−HK$1,141/mo
Today · 4.125%
HK$38,379
baseline
▲ 0.50% · 4.625%
HK$40,714
+HK$2,335/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,758/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,177
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,254
−HK$1,093/mo
Today · 4.125%
HK$42,347
baseline
▲ 0.50% · 4.625%
HK$44,580
+HK$2,233/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,694/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,964 · 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).