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$20,064
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,688
−HK$635/mo
Today · 4.125%
HK$21,323
baseline
▲ 0.50% · 4.625%
HK$22,620
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,646/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,321
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,920
−HK$607/mo
Today · 4.125%
HK$23,527
baseline
▲ 0.50% · 4.625%
HK$24,767
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,054/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,077
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,826
−HK$761/mo
Today · 4.125%
HK$25,587
baseline
▲ 0.50% · 4.625%
HK$27,144
+HK$1,557/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,174/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,786
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,504
−HK$729/mo
Today · 4.125%
HK$28,233
baseline
▲ 0.50% · 4.625%
HK$29,721
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,466/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,090
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,964
−HK$888/mo
Today · 4.125%
HK$29,852
baseline
▲ 0.50% · 4.625%
HK$31,668
+HK$1,816/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,704/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,250
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,088
−HK$850/mo
Today · 4.125%
HK$32,938
baseline
▲ 0.50% · 4.625%
HK$34,674
+HK$1,736/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,876/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,116
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,239
−HK$1,142/mo
Today · 4.125%
HK$38,381
baseline
▲ 0.50% · 4.625%
HK$40,716
+HK$2,335/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,762/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,178
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,256
−HK$1,093/mo
Today · 4.125%
HK$42,349
baseline
▲ 0.50% · 4.625%
HK$44,581
+HK$2,232/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,698/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,975 · 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).