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$20,077
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,702
−HK$634/mo
Today · 4.125%
HK$21,336
baseline
▲ 0.50% · 4.625%
HK$22,634
+HK$1,298/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,672/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,336
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,935
−HK$607/mo
Today · 4.125%
HK$23,542
baseline
▲ 0.50% · 4.625%
HK$24,783
+HK$1,241/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,084/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,092
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,842
−HK$761/mo
Today · 4.125%
HK$25,603
baseline
▲ 0.50% · 4.625%
HK$27,161
+HK$1,558/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,206/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,803
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,521
−HK$730/mo
Today · 4.125%
HK$28,251
baseline
▲ 0.50% · 4.625%
HK$29,740
+HK$1,489/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,502/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,108
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,982
−HK$889/mo
Today · 4.125%
HK$29,871
baseline
▲ 0.50% · 4.625%
HK$31,688
+HK$1,817/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,742/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,270
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,108
−HK$851/mo
Today · 4.125%
HK$32,959
baseline
▲ 0.50% · 4.625%
HK$34,696
+HK$1,737/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,918/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,139
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,263
−HK$1,142/mo
Today · 4.125%
HK$38,405
baseline
▲ 0.50% · 4.625%
HK$40,742
+HK$2,337/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,810/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,204
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,282
−HK$1,094/mo
Today · 4.125%
HK$42,376
baseline
▲ 0.50% · 4.625%
HK$44,610
+HK$2,234/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,752/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,143 · 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).