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$20,057
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,681
−HK$634/mo
Today · 4.125%
HK$21,315
baseline
▲ 0.50% · 4.625%
HK$22,612
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,630/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,313
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,912
−HK$607/mo
Today · 4.125%
HK$23,519
baseline
▲ 0.50% · 4.625%
HK$24,759
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,038/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,069
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,817
−HK$761/mo
Today · 4.125%
HK$25,578
baseline
▲ 0.50% · 4.625%
HK$27,134
+HK$1,556/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,156/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,776
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,494
−HK$729/mo
Today · 4.125%
HK$28,223
baseline
▲ 0.50% · 4.625%
HK$29,710
+HK$1,487/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,446/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,080
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,954
−HK$887/mo
Today · 4.125%
HK$29,841
baseline
▲ 0.50% · 4.625%
HK$31,657
+HK$1,816/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,682/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,239
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,077
−HK$850/mo
Today · 4.125%
HK$32,927
baseline
▲ 0.50% · 4.625%
HK$34,662
+HK$1,735/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,854/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,103
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,226
−HK$1,141/mo
Today · 4.125%
HK$38,367
baseline
▲ 0.50% · 4.625%
HK$40,702
+HK$2,335/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,734/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,164
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,241
−HK$1,093/mo
Today · 4.125%
HK$42,334
baseline
▲ 0.50% · 4.625%
HK$44,566
+HK$2,232/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,668/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,882 · 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).