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$20,086
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,711
−HK$635/mo
Today · 4.125%
HK$21,346
baseline
▲ 0.50% · 4.625%
HK$22,644
+HK$1,298/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,692/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,345
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,945
−HK$608/mo
Today · 4.125%
HK$23,553
baseline
▲ 0.50% · 4.625%
HK$24,794
+HK$1,241/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,106/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,103
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,853
−HK$762/mo
Today · 4.125%
HK$25,615
baseline
▲ 0.50% · 4.625%
HK$27,173
+HK$1,558/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$51,230/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,815
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,534
−HK$729/mo
Today · 4.125%
HK$28,263
baseline
▲ 0.50% · 4.625%
HK$29,753
+HK$1,490/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$56,526/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,120
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$28,995
−HK$889/mo
Today · 4.125%
HK$29,884
baseline
▲ 0.50% · 4.625%
HK$31,702
+HK$1,818/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,768/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,284
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,123
−HK$851/mo
Today · 4.125%
HK$32,974
baseline
▲ 0.50% · 4.625%
HK$34,712
+HK$1,738/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,948/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,155
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,279
−HK$1,143/mo
Today · 4.125%
HK$38,422
baseline
▲ 0.50% · 4.625%
HK$40,760
+HK$2,338/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,844/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,222
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,301
−HK$1,094/mo
Today · 4.125%
HK$42,395
baseline
▲ 0.50% · 4.625%
HK$44,630
+HK$2,235/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,790/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,261 · 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).