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$20,058
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,682
−HK$634/mo
Today · 4.125%
HK$21,316
baseline
▲ 0.50% · 4.625%
HK$22,613
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,632/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,315
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,913
−HK$607/mo
Today · 4.125%
HK$23,520
baseline
▲ 0.50% · 4.625%
HK$24,760
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,040/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,070
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,819
−HK$760/mo
Today · 4.125%
HK$25,579
baseline
▲ 0.50% · 4.625%
HK$27,136
+HK$1,557/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,158/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,777
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,496
−HK$728/mo
Today · 4.125%
HK$28,224
baseline
▲ 0.50% · 4.625%
HK$29,712
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,448/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,081
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,955
−HK$887/mo
Today · 4.125%
HK$29,842
baseline
▲ 0.50% · 4.625%
HK$31,658
+HK$1,816/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,684/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,240
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,078
−HK$850/mo
Today · 4.125%
HK$32,928
baseline
▲ 0.50% · 4.625%
HK$34,664
+HK$1,736/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,856/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,105
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,228
−HK$1,141/mo
Today · 4.125%
HK$38,369
baseline
▲ 0.50% · 4.625%
HK$40,703
+HK$2,334/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,738/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,166
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,243
−HK$1,093/mo
Today · 4.125%
HK$42,336
baseline
▲ 0.50% · 4.625%
HK$44,568
+HK$2,232/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,672/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,894 · 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).