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$20,082
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,706
−HK$635/mo
Today · 4.125%
HK$21,341
baseline
▲ 0.50% · 4.625%
HK$22,640
+HK$1,299/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,682/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,341
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,940
−HK$608/mo
Today · 4.125%
HK$23,548
baseline
▲ 0.50% · 4.625%
HK$24,789
+HK$1,241/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,096/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,098
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,848
−HK$761/mo
Today · 4.125%
HK$25,609
baseline
▲ 0.50% · 4.625%
HK$27,168
+HK$1,559/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,218/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,809
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,528
−HK$729/mo
Today · 4.125%
HK$28,257
baseline
▲ 0.50% · 4.625%
HK$29,747
+HK$1,490/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,514/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,115
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,989
−HK$889/mo
Today · 4.125%
HK$29,878
baseline
▲ 0.50% · 4.625%
HK$31,696
+HK$1,818/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,756/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,277
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,116
−HK$851/mo
Today · 4.125%
HK$32,967
baseline
▲ 0.50% · 4.625%
HK$34,705
+HK$1,738/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,934/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,147
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,272
−HK$1,142/mo
Today · 4.125%
HK$38,414
baseline
▲ 0.50% · 4.625%
HK$40,751
+HK$2,337/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,828/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,213
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,292
−HK$1,094/mo
Today · 4.125%
HK$42,386
baseline
▲ 0.50% · 4.625%
HK$44,620
+HK$2,234/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,772/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,205 · 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).