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$20,085
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,709
−HK$635/mo
Today · 4.125%
HK$21,344
baseline
▲ 0.50% · 4.625%
HK$22,643
+HK$1,299/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,688/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,344
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,943
−HK$608/mo
Today · 4.125%
HK$23,551
baseline
▲ 0.50% · 4.625%
HK$24,793
+HK$1,242/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,102/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,102
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,851
−HK$762/mo
Today · 4.125%
HK$25,613
baseline
▲ 0.50% · 4.625%
HK$27,172
+HK$1,559/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,226/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,813
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,532
−HK$729/mo
Today · 4.125%
HK$28,261
baseline
▲ 0.50% · 4.625%
HK$29,751
+HK$1,490/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,522/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,119
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,993
−HK$889/mo
Today · 4.125%
HK$29,882
baseline
▲ 0.50% · 4.625%
HK$31,700
+HK$1,818/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,764/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,282
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,121
−HK$851/mo
Today · 4.125%
HK$32,972
baseline
▲ 0.50% · 4.625%
HK$34,710
+HK$1,738/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,944/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,152
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,277
−HK$1,143/mo
Today · 4.125%
HK$38,420
baseline
▲ 0.50% · 4.625%
HK$40,757
+HK$2,337/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,840/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,219
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,298
−HK$1,094/mo
Today · 4.125%
HK$42,392
baseline
▲ 0.50% · 4.625%
HK$44,627
+HK$2,235/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,784/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,243 · 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).