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$20,056
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,680
−HK$634/mo
Today · 4.125%
HK$21,314
baseline
▲ 0.50% · 4.625%
HK$22,611
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,628/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,312
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,911
−HK$607/mo
Today · 4.125%
HK$23,518
baseline
▲ 0.50% · 4.625%
HK$24,757
+HK$1,239/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,036/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,067
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,816
−HK$761/mo
Today · 4.125%
HK$25,577
baseline
▲ 0.50% · 4.625%
HK$27,133
+HK$1,556/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,154/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,775
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,493
−HK$728/mo
Today · 4.125%
HK$28,221
baseline
▲ 0.50% · 4.625%
HK$29,709
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,442/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,079
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,952
−HK$887/mo
Today · 4.125%
HK$29,839
baseline
▲ 0.50% · 4.625%
HK$31,655
+HK$1,816/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,678/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,237
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,075
−HK$850/mo
Today · 4.125%
HK$32,925
baseline
▲ 0.50% · 4.625%
HK$34,660
+HK$1,735/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,850/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,101
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,224
−HK$1,141/mo
Today · 4.125%
HK$38,365
baseline
▲ 0.50% · 4.625%
HK$40,699
+HK$2,334/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,730/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,162
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,239
−HK$1,093/mo
Today · 4.125%
HK$42,332
baseline
▲ 0.50% · 4.625%
HK$44,563
+HK$2,231/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,664/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,868 · 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).