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$20,895
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,545
−HK$660/mo
Today · 4.125%
HK$22,205
baseline
▲ 0.50% · 4.625%
HK$23,556
+HK$1,351/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,410/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,245
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,869
−HK$632/mo
Today · 4.125%
HK$24,501
baseline
▲ 0.50% · 4.625%
HK$25,793
+HK$1,292/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,002/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,074
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,854
−HK$792/mo
Today · 4.125%
HK$26,646
baseline
▲ 0.50% · 4.625%
HK$28,268
+HK$1,622/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,292/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,894
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,642
−HK$759/mo
Today · 4.125%
HK$29,401
baseline
▲ 0.50% · 4.625%
HK$30,951
+HK$1,550/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,802/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,253
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,163
−HK$924/mo
Today · 4.125%
HK$31,087
baseline
▲ 0.50% · 4.625%
HK$32,979
+HK$1,892/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,174/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,543
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,416
−HK$886/mo
Today · 4.125%
HK$34,302
baseline
▲ 0.50% · 4.625%
HK$36,110
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,604/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,611
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,781
−HK$1,188/mo
Today · 4.125%
HK$39,969
baseline
▲ 0.50% · 4.625%
HK$42,401
+HK$2,432/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$79,938/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,842
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,964
−HK$1,138/mo
Today · 4.125%
HK$44,102
baseline
▲ 0.50% · 4.625%
HK$46,427
+HK$2,325/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$88,204/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,338 · 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).