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$1,258/mo
▼ 0.25% · 3.875%
HK$20,690
−HK$634/mo
Today · 4.125%
HK$21,324
baseline
▲ 0.50% · 4.625%
HK$22,622
+HK$1,298/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,648/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,323
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,922
−HK$607/mo
Today · 4.125%
HK$23,529
baseline
▲ 0.50% · 4.625%
HK$24,770
+HK$1,241/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,058/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,079
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,828
−HK$761/mo
Today · 4.125%
HK$25,589
baseline
▲ 0.50% · 4.625%
HK$27,146
+HK$1,557/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,178/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,788
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,506
−HK$729/mo
Today · 4.125%
HK$28,235
baseline
▲ 0.50% · 4.625%
HK$29,723
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,470/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,092
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,966
−HK$888/mo
Today · 4.125%
HK$29,854
baseline
▲ 0.50% · 4.625%
HK$31,671
+HK$1,817/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,708/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,253
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,091
−HK$850/mo
Today · 4.125%
HK$32,941
baseline
▲ 0.50% · 4.625%
HK$34,677
+HK$1,736/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,882/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,119
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,242
−HK$1,142/mo
Today · 4.125%
HK$38,384
baseline
▲ 0.50% · 4.625%
HK$40,719
+HK$2,335/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$263,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,182
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,260
−HK$1,093/mo
Today · 4.125%
HK$42,353
baseline
▲ 0.50% · 4.625%
HK$44,585
+HK$2,232/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$263,998 · 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).