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$20,045
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,668
−HK$634/mo
Today · 4.125%
HK$21,302
baseline
▲ 0.50% · 4.625%
HK$22,598
+HK$1,296/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,604/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,299
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,898
−HK$606/mo
Today · 4.125%
HK$23,504
baseline
▲ 0.50% · 4.625%
HK$24,743
+HK$1,239/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,008/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,054
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,802
−HK$760/mo
Today · 4.125%
HK$25,562
baseline
▲ 0.50% · 4.625%
HK$27,117
+HK$1,555/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$51,124/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,759
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,477
−HK$728/mo
Today · 4.125%
HK$28,205
baseline
▲ 0.50% · 4.625%
HK$29,692
+HK$1,487/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$56,410/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,063
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,935
−HK$887/mo
Today · 4.125%
HK$29,822
baseline
▲ 0.50% · 4.625%
HK$31,637
+HK$1,815/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,644/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,219
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,057
−HK$849/mo
Today · 4.125%
HK$32,906
baseline
▲ 0.50% · 4.625%
HK$34,640
+HK$1,734/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,812/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,080
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,203
−HK$1,140/mo
Today · 4.125%
HK$38,343
baseline
▲ 0.50% · 4.625%
HK$40,676
+HK$2,333/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,686/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,139
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,216
−HK$1,092/mo
Today · 4.125%
HK$42,308
baseline
▲ 0.50% · 4.625%
HK$44,538
+HK$2,230/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,616/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,716 · 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).