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$20,065
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,689
−HK$634/mo
Today · 4.125%
HK$21,323
baseline
▲ 0.50% · 4.625%
HK$22,621
+HK$1,298/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,646/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,322
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,921
−HK$607/mo
Today · 4.125%
HK$23,528
baseline
▲ 0.50% · 4.625%
HK$24,769
+HK$1,241/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,056/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,078
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,827
−HK$761/mo
Today · 4.125%
HK$25,588
baseline
▲ 0.50% · 4.625%
HK$27,145
+HK$1,557/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,176/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,787
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,505
−HK$729/mo
Today · 4.125%
HK$28,234
baseline
▲ 0.50% · 4.625%
HK$29,722
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,468/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,091
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,965
−HK$888/mo
Today · 4.125%
HK$29,853
baseline
▲ 0.50% · 4.625%
HK$31,669
+HK$1,816/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,706/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,251
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,089
−HK$851/mo
Today · 4.125%
HK$32,940
baseline
▲ 0.50% · 4.625%
HK$34,676
+HK$1,736/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,880/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,117
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,241
−HK$1,141/mo
Today · 4.125%
HK$38,382
baseline
▲ 0.50% · 4.625%
HK$40,718
+HK$2,336/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,764/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,180
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,258
−HK$1,093/mo
Today · 4.125%
HK$42,351
baseline
▲ 0.50% · 4.625%
HK$44,583
+HK$2,232/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,702/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,987 · 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).