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$20,080
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,705
−HK$634/mo
Today · 4.125%
HK$21,339
baseline
▲ 0.50% · 4.625%
HK$22,638
+HK$1,299/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,678/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,339
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,938
−HK$608/mo
Today · 4.125%
HK$23,546
baseline
▲ 0.50% · 4.625%
HK$24,787
+HK$1,241/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,092/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,096
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,846
−HK$761/mo
Today · 4.125%
HK$25,607
baseline
▲ 0.50% · 4.625%
HK$27,165
+HK$1,558/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,214/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,807
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,526
−HK$729/mo
Today · 4.125%
HK$28,255
baseline
▲ 0.50% · 4.625%
HK$29,744
+HK$1,489/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,510/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,112
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,987
−HK$888/mo
Today · 4.125%
HK$29,875
baseline
▲ 0.50% · 4.625%
HK$31,693
+HK$1,818/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,750/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,275
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,113
−HK$851/mo
Today · 4.125%
HK$32,964
baseline
▲ 0.50% · 4.625%
HK$34,702
+HK$1,738/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,928/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,144
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,269
−HK$1,142/mo
Today · 4.125%
HK$38,411
baseline
▲ 0.50% · 4.625%
HK$40,748
+HK$2,337/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,822/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,210
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,289
−HK$1,094/mo
Today · 4.125%
HK$42,383
baseline
▲ 0.50% · 4.625%
HK$44,617
+HK$2,234/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,766/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,184 · 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).