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$20,079
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,703
−HK$635/mo
Today · 4.125%
HK$21,338
baseline
▲ 0.50% · 4.625%
HK$22,636
+HK$1,298/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,676/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,337
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,936
−HK$608/mo
Today · 4.125%
HK$23,544
baseline
▲ 0.50% · 4.625%
HK$24,785
+HK$1,241/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,088/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,094
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,844
−HK$761/mo
Today · 4.125%
HK$25,605
baseline
▲ 0.50% · 4.625%
HK$27,163
+HK$1,558/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,210/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,805
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,524
−HK$729/mo
Today · 4.125%
HK$28,253
baseline
▲ 0.50% · 4.625%
HK$29,742
+HK$1,489/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,506/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,110
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,985
−HK$888/mo
Today · 4.125%
HK$29,873
baseline
▲ 0.50% · 4.625%
HK$31,691
+HK$1,818/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,746/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,272
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,111
−HK$851/mo
Today · 4.125%
HK$32,962
baseline
▲ 0.50% · 4.625%
HK$34,699
+HK$1,737/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,924/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,142
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,266
−HK$1,142/mo
Today · 4.125%
HK$38,408
baseline
▲ 0.50% · 4.625%
HK$40,745
+HK$2,337/mo
Deposit HK$881K · loan HK$7.92M · min. income ≈ HK$76,816/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,207
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,286
−HK$1,094/mo
Today · 4.125%
HK$42,380
baseline
▲ 0.50% · 4.625%
HK$44,613
+HK$2,233/mo
Deposit HK$881K · loan HK$7.92M · min. income ≈ HK$84,760/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,165 · 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).