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$20,045
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,669
−HK$633/mo
Today · 4.125%
HK$21,302
baseline
▲ 0.50% · 4.625%
HK$22,598
+HK$1,296/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,604/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,300
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,898
−HK$607/mo
Today · 4.125%
HK$23,505
baseline
▲ 0.50% · 4.625%
HK$24,744
+HK$1,239/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,010/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,054
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,802
−HK$760/mo
Today · 4.125%
HK$25,562
baseline
▲ 0.50% · 4.625%
HK$27,118
+HK$1,556/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$51,124/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,760
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,478
−HK$728/mo
Today · 4.125%
HK$28,206
baseline
▲ 0.50% · 4.625%
HK$29,692
+HK$1,486/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$56,412/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,063
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,936
−HK$887/mo
Today · 4.125%
HK$29,823
baseline
▲ 0.50% · 4.625%
HK$31,637
+HK$1,814/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,646/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,220
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,057
−HK$850/mo
Today · 4.125%
HK$32,907
baseline
▲ 0.50% · 4.625%
HK$34,641
+HK$1,734/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,814/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,081
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,203
−HK$1,141/mo
Today · 4.125%
HK$38,344
baseline
▲ 0.50% · 4.625%
HK$40,677
+HK$2,333/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,688/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,140
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,216
−HK$1,092/mo
Today · 4.125%
HK$42,308
baseline
▲ 0.50% · 4.625%
HK$44,539
+HK$2,231/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,616/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,721 · 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).