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$20,066
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,691
−HK$634/mo
Today · 4.125%
HK$21,325
baseline
▲ 0.50% · 4.625%
HK$22,622
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,650/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$264,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,324
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,922
−HK$608/mo
Today · 4.125%
HK$23,530
baseline
▲ 0.50% · 4.625%
HK$24,770
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,060/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$264,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,080
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,829
−HK$761/mo
Today · 4.125%
HK$25,590
baseline
▲ 0.50% · 4.625%
HK$27,147
+HK$1,557/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,180/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$264,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,788
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,507
−HK$729/mo
Today · 4.125%
HK$28,236
baseline
▲ 0.50% · 4.625%
HK$29,724
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,472/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$264,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,093
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,967
−HK$888/mo
Today · 4.125%
HK$29,855
baseline
▲ 0.50% · 4.625%
HK$31,671
+HK$1,816/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,710/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$264,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,253
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,091
−HK$851/mo
Today · 4.125%
HK$32,942
baseline
▲ 0.50% · 4.625%
HK$34,678
+HK$1,736/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,884/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$264,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,119
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,243
−HK$1,141/mo
Today · 4.125%
HK$38,384
baseline
▲ 0.50% · 4.625%
HK$40,720
+HK$2,336/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,768/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,183
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,260
−HK$1,093/mo
Today · 4.125%
HK$42,353
baseline
▲ 0.50% · 4.625%
HK$44,586
+HK$2,233/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,706/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,002 · 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).