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$20,897
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,547
−HK$660/mo
Today · 4.125%
HK$22,207
baseline
▲ 0.50% · 4.625%
HK$23,559
+HK$1,352/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,414/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,248
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,871
−HK$633/mo
Today · 4.125%
HK$24,504
baseline
▲ 0.50% · 4.625%
HK$25,795
+HK$1,291/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,008/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,076
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,856
−HK$793/mo
Today · 4.125%
HK$26,649
baseline
▲ 0.50% · 4.625%
HK$28,270
+HK$1,621/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,298/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,897
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,645
−HK$760/mo
Today · 4.125%
HK$29,405
baseline
▲ 0.50% · 4.625%
HK$30,954
+HK$1,549/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,810/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,256
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,166
−HK$924/mo
Today · 4.125%
HK$31,090
baseline
▲ 0.50% · 4.625%
HK$32,982
+HK$1,892/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,180/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,547
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,420
−HK$885/mo
Today · 4.125%
HK$34,305
baseline
▲ 0.50% · 4.625%
HK$36,114
+HK$1,809/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,610/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,615
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,785
−HK$1,188/mo
Today · 4.125%
HK$39,973
baseline
▲ 0.50% · 4.625%
HK$42,406
+HK$2,433/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$79,946/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,846
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,968
−HK$1,139/mo
Today · 4.125%
HK$44,107
baseline
▲ 0.50% · 4.625%
HK$46,432
+HK$2,325/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$88,214/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,434 · 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).