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$20,049
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,673
−HK$634/mo
Today · 4.125%
HK$21,307
baseline
▲ 0.50% · 4.625%
HK$22,603
+HK$1,296/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$263,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,305
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,903
−HK$607/mo
Today · 4.125%
HK$23,510
baseline
▲ 0.50% · 4.625%
HK$24,749
+HK$1,239/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,020/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,059
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,808
−HK$760/mo
Today · 4.125%
HK$25,568
baseline
▲ 0.50% · 4.625%
HK$27,124
+HK$1,556/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,136/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,766
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,484
−HK$728/mo
Today · 4.125%
HK$28,212
baseline
▲ 0.50% · 4.625%
HK$29,699
+HK$1,487/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,424/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,069
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,942
−HK$887/mo
Today · 4.125%
HK$29,829
baseline
▲ 0.50% · 4.625%
HK$31,644
+HK$1,815/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,658/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,227
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,064
−HK$850/mo
Today · 4.125%
HK$32,914
baseline
▲ 0.50% · 4.625%
HK$34,649
+HK$1,735/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,828/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,089
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,212
−HK$1,140/mo
Today · 4.125%
HK$38,352
baseline
▲ 0.50% · 4.625%
HK$40,686
+HK$2,334/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,704/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,149
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,225
−HK$1,093/mo
Today · 4.125%
HK$42,318
baseline
▲ 0.50% · 4.625%
HK$44,548
+HK$2,230/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,636/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,779 · 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).