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$20,918
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,568
−HK$661/mo
Today · 4.125%
HK$22,229
baseline
▲ 0.50% · 4.625%
HK$23,582
+HK$1,353/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,458/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,271
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,895
−HK$633/mo
Today · 4.125%
HK$24,528
baseline
▲ 0.50% · 4.625%
HK$25,821
+HK$1,293/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,056/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,101
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,882
−HK$793/mo
Today · 4.125%
HK$26,675
baseline
▲ 0.50% · 4.625%
HK$28,298
+HK$1,623/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,350/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,925
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,674
−HK$759/mo
Today · 4.125%
HK$29,433
baseline
▲ 0.50% · 4.625%
HK$30,985
+HK$1,552/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,866/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,285
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,196
−HK$925/mo
Today · 4.125%
HK$31,121
baseline
▲ 0.50% · 4.625%
HK$33,015
+HK$1,894/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,242/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,579
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,453
−HK$886/mo
Today · 4.125%
HK$34,339
baseline
▲ 0.50% · 4.625%
HK$36,149
+HK$1,810/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,678/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,652
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,823
−HK$1,190/mo
Today · 4.125%
HK$40,013
baseline
▲ 0.50% · 4.625%
HK$42,447
+HK$2,434/mo
Deposit HK$917K · loan HK$8.26M · min. income ≈ HK$80,026/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,887
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,010
−HK$1,140/mo
Today · 4.125%
HK$44,150
baseline
▲ 0.50% · 4.625%
HK$46,477
+HK$2,327/mo
Deposit HK$917K · loan HK$8.26M · min. income ≈ HK$88,300/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,335 · 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).