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$20,044
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,667
−HK$633/mo
Today · 4.125%
HK$21,300
baseline
▲ 0.50% · 4.625%
HK$22,597
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,600/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,298
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,896
−HK$607/mo
Today · 4.125%
HK$23,503
baseline
▲ 0.50% · 4.625%
HK$24,742
+HK$1,239/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,006/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,052
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,800
−HK$761/mo
Today · 4.125%
HK$25,561
baseline
▲ 0.50% · 4.625%
HK$27,116
+HK$1,555/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$51,122/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,758
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,476
−HK$728/mo
Today · 4.125%
HK$28,204
baseline
▲ 0.50% · 4.625%
HK$29,690
+HK$1,486/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$56,408/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,061
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,934
−HK$887/mo
Today · 4.125%
HK$29,821
baseline
▲ 0.50% · 4.625%
HK$31,635
+HK$1,814/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,642/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,218
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,055
−HK$849/mo
Today · 4.125%
HK$32,904
baseline
▲ 0.50% · 4.625%
HK$34,639
+HK$1,735/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,808/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,078
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,201
−HK$1,140/mo
Today · 4.125%
HK$38,341
baseline
▲ 0.50% · 4.625%
HK$40,674
+HK$2,333/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,682/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,137
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,213
−HK$1,092/mo
Today · 4.125%
HK$42,305
baseline
▲ 0.50% · 4.625%
HK$44,535
+HK$2,230/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,610/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,702 · 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).