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$20,074
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,698
−HK$635/mo
Today · 4.125%
HK$21,333
baseline
▲ 0.50% · 4.625%
HK$22,631
+HK$1,298/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,666/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,332
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,931
−HK$608/mo
Today · 4.125%
HK$23,539
baseline
▲ 0.50% · 4.625%
HK$24,779
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,078/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,089
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,838
−HK$761/mo
Today · 4.125%
HK$25,599
baseline
▲ 0.50% · 4.625%
HK$27,157
+HK$1,558/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,198/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,798
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,517
−HK$729/mo
Today · 4.125%
HK$28,246
baseline
▲ 0.50% · 4.625%
HK$29,735
+HK$1,489/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,492/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,103
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,978
−HK$888/mo
Today · 4.125%
HK$29,866
baseline
▲ 0.50% · 4.625%
HK$31,683
+HK$1,817/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,732/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,265
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,103
−HK$851/mo
Today · 4.125%
HK$32,954
baseline
▲ 0.50% · 4.625%
HK$34,691
+HK$1,737/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,908/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,133
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,257
−HK$1,142/mo
Today · 4.125%
HK$38,399
baseline
▲ 0.50% · 4.625%
HK$40,735
+HK$2,336/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,798/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,198
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,276
−HK$1,093/mo
Today · 4.125%
HK$42,369
baseline
▲ 0.50% · 4.625%
HK$44,603
+HK$2,234/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,738/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,101 · 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).