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$20,059
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,683
−HK$634/mo
Today · 4.125%
HK$21,317
baseline
▲ 0.50% · 4.625%
HK$22,614
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,634/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,315
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,914
−HK$607/mo
Today · 4.125%
HK$23,521
baseline
▲ 0.50% · 4.625%
HK$24,761
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,042/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,071
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,819
−HK$761/mo
Today · 4.125%
HK$25,580
baseline
▲ 0.50% · 4.625%
HK$27,136
+HK$1,556/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,160/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,778
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,496
−HK$729/mo
Today · 4.125%
HK$28,225
baseline
▲ 0.50% · 4.625%
HK$29,713
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,450/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,082
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,956
−HK$887/mo
Today · 4.125%
HK$29,843
baseline
▲ 0.50% · 4.625%
HK$31,659
+HK$1,816/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,686/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,241
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,079
−HK$850/mo
Today · 4.125%
HK$32,929
baseline
▲ 0.50% · 4.625%
HK$34,665
+HK$1,736/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,858/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,106
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,229
−HK$1,141/mo
Today · 4.125%
HK$38,370
baseline
▲ 0.50% · 4.625%
HK$40,705
+HK$2,335/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,740/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,167
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,245
−HK$1,092/mo
Today · 4.125%
HK$42,337
baseline
▲ 0.50% · 4.625%
HK$44,569
+HK$2,232/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,674/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,902 · 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).