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$20,886
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,535
−HK$660/mo
Today · 4.125%
HK$22,195
baseline
▲ 0.50% · 4.625%
HK$23,546
+HK$1,351/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,390/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$285,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,235
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,858
−HK$632/mo
Today · 4.125%
HK$24,490
baseline
▲ 0.50% · 4.625%
HK$25,781
+HK$1,291/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,980/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$285,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,063
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,842
−HK$792/mo
Today · 4.125%
HK$26,634
baseline
▲ 0.50% · 4.625%
HK$28,255
+HK$1,621/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$53,268/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,882
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,630
−HK$758/mo
Today · 4.125%
HK$29,388
baseline
▲ 0.50% · 4.625%
HK$30,937
+HK$1,549/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$58,776/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,240
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,149
−HK$924/mo
Today · 4.125%
HK$31,073
baseline
▲ 0.50% · 4.625%
HK$32,964
+HK$1,891/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,146/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,529
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,401
−HK$885/mo
Today · 4.125%
HK$34,286
baseline
▲ 0.50% · 4.625%
HK$36,094
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,572/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,594
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,763
−HK$1,188/mo
Today · 4.125%
HK$39,951
baseline
▲ 0.50% · 4.625%
HK$42,382
+HK$2,431/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$79,902/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,823
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,945
−HK$1,137/mo
Today · 4.125%
HK$44,082
baseline
▲ 0.50% · 4.625%
HK$46,406
+HK$2,324/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$88,164/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,930 · 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).