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$20,905
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,555
−HK$660/mo
Today · 4.125%
HK$22,215
baseline
▲ 0.50% · 4.625%
HK$23,567
+HK$1,352/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,430/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,256
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,880
−HK$633/mo
Today · 4.125%
HK$24,513
baseline
▲ 0.50% · 4.625%
HK$25,805
+HK$1,292/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,026/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,085
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,866
−HK$792/mo
Today · 4.125%
HK$26,658
baseline
▲ 0.50% · 4.625%
HK$28,281
+HK$1,623/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,316/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,907
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,656
−HK$759/mo
Today · 4.125%
HK$29,415
baseline
▲ 0.50% · 4.625%
HK$30,966
+HK$1,551/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,830/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,266
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,177
−HK$925/mo
Today · 4.125%
HK$31,102
baseline
▲ 0.50% · 4.625%
HK$32,994
+HK$1,892/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,204/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,558
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,432
−HK$886/mo
Today · 4.125%
HK$34,318
baseline
▲ 0.50% · 4.625%
HK$36,126
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,636/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,628
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,799
−HK$1,189/mo
Today · 4.125%
HK$39,988
baseline
▲ 0.50% · 4.625%
HK$42,421
+HK$2,433/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$79,976/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,861
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,984
−HK$1,139/mo
Today · 4.125%
HK$44,123
baseline
▲ 0.50% · 4.625%
HK$46,448
+HK$2,325/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,246/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,762 · 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).