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$20,050
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,674
−HK$633/mo
Today · 4.125%
HK$21,307
baseline
▲ 0.50% · 4.625%
HK$22,604
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,614/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,306
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,904
−HK$607/mo
Today · 4.125%
HK$23,511
baseline
▲ 0.50% · 4.625%
HK$24,750
+HK$1,239/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,022/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,060
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,809
−HK$760/mo
Today · 4.125%
HK$25,569
baseline
▲ 0.50% · 4.625%
HK$27,125
+HK$1,556/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,138/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,767
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,485
−HK$728/mo
Today · 4.125%
HK$28,213
baseline
▲ 0.50% · 4.625%
HK$29,700
+HK$1,487/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,426/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,070
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,943
−HK$887/mo
Today · 4.125%
HK$29,830
baseline
▲ 0.50% · 4.625%
HK$31,646
+HK$1,816/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,660/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,228
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,065
−HK$850/mo
Today · 4.125%
HK$32,915
baseline
▲ 0.50% · 4.625%
HK$34,650
+HK$1,735/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,830/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,090
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,213
−HK$1,140/mo
Today · 4.125%
HK$38,353
baseline
▲ 0.50% · 4.625%
HK$40,687
+HK$2,334/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,706/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,150
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,227
−HK$1,092/mo
Today · 4.125%
HK$42,319
baseline
▲ 0.50% · 4.625%
HK$44,550
+HK$2,231/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,638/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,789 · 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).