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$20,049
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,673
−HK$633/mo
Today · 4.125%
HK$21,306
baseline
▲ 0.50% · 4.625%
HK$22,603
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,612/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,304
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,903
−HK$606/mo
Today · 4.125%
HK$23,509
baseline
▲ 0.50% · 4.625%
HK$24,749
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,018/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,059
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,807
−HK$761/mo
Today · 4.125%
HK$25,568
baseline
▲ 0.50% · 4.625%
HK$27,123
+HK$1,555/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,136/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,765
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,483
−HK$728/mo
Today · 4.125%
HK$28,211
baseline
▲ 0.50% · 4.625%
HK$29,698
+HK$1,487/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,422/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,069
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,942
−HK$887/mo
Today · 4.125%
HK$29,829
baseline
▲ 0.50% · 4.625%
HK$31,644
+HK$1,815/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,658/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,226
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,064
−HK$849/mo
Today · 4.125%
HK$32,913
baseline
▲ 0.50% · 4.625%
HK$34,648
+HK$1,735/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,826/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,088
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,211
−HK$1,140/mo
Today · 4.125%
HK$38,351
baseline
▲ 0.50% · 4.625%
HK$40,685
+HK$2,334/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,702/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,148
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,225
−HK$1,092/mo
Today · 4.125%
HK$42,317
baseline
▲ 0.50% · 4.625%
HK$44,548
+HK$2,231/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,634/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,775 · 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).