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$20,075
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,699
−HK$635/mo
Today · 4.125%
HK$21,334
baseline
▲ 0.50% · 4.625%
HK$22,632
+HK$1,298/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,668/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,333
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,932
−HK$608/mo
Today · 4.125%
HK$23,540
baseline
▲ 0.50% · 4.625%
HK$24,780
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,080/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,090
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,839
−HK$761/mo
Today · 4.125%
HK$25,600
baseline
▲ 0.50% · 4.625%
HK$27,158
+HK$1,558/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,200/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,800
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,518
−HK$729/mo
Today · 4.125%
HK$28,247
baseline
▲ 0.50% · 4.625%
HK$29,736
+HK$1,489/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,494/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,105
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,979
−HK$888/mo
Today · 4.125%
HK$29,867
baseline
▲ 0.50% · 4.625%
HK$31,684
+HK$1,817/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,734/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,266
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,105
−HK$850/mo
Today · 4.125%
HK$32,955
baseline
▲ 0.50% · 4.625%
HK$34,693
+HK$1,738/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,910/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,135
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,259
−HK$1,142/mo
Today · 4.125%
HK$38,401
baseline
▲ 0.50% · 4.625%
HK$40,737
+HK$2,336/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,802/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,199
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,277
−HK$1,094/mo
Today · 4.125%
HK$42,371
baseline
▲ 0.50% · 4.625%
HK$44,605
+HK$2,234/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,742/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,112 · 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).