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$20,083
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,708
−HK$634/mo
Today · 4.125%
HK$21,342
baseline
▲ 0.50% · 4.625%
HK$22,641
+HK$1,299/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,684/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,342
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,941
−HK$608/mo
Today · 4.125%
HK$23,549
baseline
▲ 0.50% · 4.625%
HK$24,790
+HK$1,241/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,098/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,099
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,849
−HK$762/mo
Today · 4.125%
HK$25,611
baseline
▲ 0.50% · 4.625%
HK$27,169
+HK$1,558/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,222/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,810
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,529
−HK$730/mo
Today · 4.125%
HK$28,259
baseline
▲ 0.50% · 4.625%
HK$29,748
+HK$1,489/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,518/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,116
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,991
−HK$888/mo
Today · 4.125%
HK$29,879
baseline
▲ 0.50% · 4.625%
HK$31,697
+HK$1,818/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,758/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,279
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,118
−HK$851/mo
Today · 4.125%
HK$32,969
baseline
▲ 0.50% · 4.625%
HK$34,706
+HK$1,737/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,938/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,149
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,274
−HK$1,142/mo
Today · 4.125%
HK$38,416
baseline
▲ 0.50% · 4.625%
HK$40,753
+HK$2,337/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,832/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,215
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,294
−HK$1,094/mo
Today · 4.125%
HK$42,388
baseline
▲ 0.50% · 4.625%
HK$44,623
+HK$2,235/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,776/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,218 · 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).