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$20,074
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,699
−HK$634/mo
Today · 4.125%
HK$21,333
baseline
▲ 0.50% · 4.625%
HK$22,631
+HK$1,298/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,666/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,333
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,932
−HK$607/mo
Today · 4.125%
HK$23,539
baseline
▲ 0.50% · 4.625%
HK$24,780
+HK$1,241/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,078/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,089
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,839
−HK$761/mo
Today · 4.125%
HK$25,600
baseline
▲ 0.50% · 4.625%
HK$27,158
+HK$1,558/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,200/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,799
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,518
−HK$729/mo
Today · 4.125%
HK$28,247
baseline
▲ 0.50% · 4.625%
HK$29,736
+HK$1,489/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,494/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,104
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,978
−HK$889/mo
Today · 4.125%
HK$29,867
baseline
▲ 0.50% · 4.625%
HK$31,684
+HK$1,817/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,734/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,266
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,104
−HK$851/mo
Today · 4.125%
HK$32,955
baseline
▲ 0.50% · 4.625%
HK$34,692
+HK$1,737/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,910/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,134
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,258
−HK$1,142/mo
Today · 4.125%
HK$38,400
baseline
▲ 0.50% · 4.625%
HK$40,736
+HK$2,336/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,800/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,199
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,277
−HK$1,094/mo
Today · 4.125%
HK$42,371
baseline
▲ 0.50% · 4.625%
HK$44,604
+HK$2,233/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,742/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,108 · 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).