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$20,085
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,710
−HK$635/mo
Today · 4.125%
HK$21,345
baseline
▲ 0.50% · 4.625%
HK$22,644
+HK$1,299/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,690/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,345
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,944
−HK$608/mo
Today · 4.125%
HK$23,552
baseline
▲ 0.50% · 4.625%
HK$24,793
+HK$1,241/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,104/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,102
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,852
−HK$762/mo
Today · 4.125%
HK$25,614
baseline
▲ 0.50% · 4.625%
HK$27,172
+HK$1,558/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$51,228/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,814
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,533
−HK$729/mo
Today · 4.125%
HK$28,262
baseline
▲ 0.50% · 4.625%
HK$29,752
+HK$1,490/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$56,524/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,120
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,994
−HK$889/mo
Today · 4.125%
HK$29,883
baseline
▲ 0.50% · 4.625%
HK$31,701
+HK$1,818/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,766/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,283
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,122
−HK$851/mo
Today · 4.125%
HK$32,973
baseline
▲ 0.50% · 4.625%
HK$34,711
+HK$1,738/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,946/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,154
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,278
−HK$1,143/mo
Today · 4.125%
HK$38,421
baseline
▲ 0.50% · 4.625%
HK$40,759
+HK$2,338/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,842/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,221
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,299
−HK$1,095/mo
Today · 4.125%
HK$42,394
baseline
▲ 0.50% · 4.625%
HK$44,628
+HK$2,234/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,788/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,252 · 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).