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$20,913
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,564
−HK$661/mo
Today · 4.125%
HK$22,225
baseline
▲ 0.50% · 4.625%
HK$23,577
+HK$1,352/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,450/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,266
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,890
−HK$633/mo
Today · 4.125%
HK$24,523
baseline
▲ 0.50% · 4.625%
HK$25,815
+HK$1,292/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,046/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,096
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,876
−HK$794/mo
Today · 4.125%
HK$26,670
baseline
▲ 0.50% · 4.625%
HK$28,292
+HK$1,622/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,340/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,919
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,668
−HK$759/mo
Today · 4.125%
HK$29,427
baseline
▲ 0.50% · 4.625%
HK$30,978
+HK$1,551/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,854/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,279
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,189
−HK$926/mo
Today · 4.125%
HK$31,115
baseline
▲ 0.50% · 4.625%
HK$33,008
+HK$1,893/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,230/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,572
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,446
−HK$886/mo
Today · 4.125%
HK$34,332
baseline
▲ 0.50% · 4.625%
HK$36,141
+HK$1,809/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,664/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,644
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,815
−HK$1,189/mo
Today · 4.125%
HK$40,004
baseline
▲ 0.50% · 4.625%
HK$42,439
+HK$2,435/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$80,008/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,878
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,001
−HK$1,140/mo
Today · 4.125%
HK$44,141
baseline
▲ 0.50% · 4.625%
HK$46,468
+HK$2,327/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,282/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,144 · 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).