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$20,902
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,552
−HK$661/mo
Today · 4.125%
HK$22,213
baseline
▲ 0.50% · 4.625%
HK$23,564
+HK$1,351/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,426/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,253
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,877
−HK$633/mo
Today · 4.125%
HK$24,510
baseline
▲ 0.50% · 4.625%
HK$25,802
+HK$1,292/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,020/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,083
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,863
−HK$792/mo
Today · 4.125%
HK$26,655
baseline
▲ 0.50% · 4.625%
HK$28,277
+HK$1,622/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,310/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,904
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,652
−HK$760/mo
Today · 4.125%
HK$29,412
baseline
▲ 0.50% · 4.625%
HK$30,962
+HK$1,550/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,824/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,263
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,173
−HK$925/mo
Today · 4.125%
HK$31,098
baseline
▲ 0.50% · 4.625%
HK$32,990
+HK$1,892/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,196/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,555
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,428
−HK$886/mo
Today · 4.125%
HK$34,314
baseline
▲ 0.50% · 4.625%
HK$36,122
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,628/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,624
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,794
−HK$1,189/mo
Today · 4.125%
HK$39,983
baseline
▲ 0.50% · 4.625%
HK$42,416
+HK$2,433/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$79,966/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,856
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,979
−HK$1,138/mo
Today · 4.125%
HK$44,117
baseline
▲ 0.50% · 4.625%
HK$46,443
+HK$2,326/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,234/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,656 · 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).