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$20,900
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,550
−HK$661/mo
Today · 4.125%
HK$22,211
baseline
▲ 0.50% · 4.625%
HK$23,562
+HK$1,351/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,422/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,251
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,875
−HK$633/mo
Today · 4.125%
HK$24,508
baseline
▲ 0.50% · 4.625%
HK$25,799
+HK$1,291/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,016/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,080
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,860
−HK$793/mo
Today · 4.125%
HK$26,653
baseline
▲ 0.50% · 4.625%
HK$28,275
+HK$1,622/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,306/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,902
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,650
−HK$759/mo
Today · 4.125%
HK$29,409
baseline
▲ 0.50% · 4.625%
HK$30,959
+HK$1,550/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,818/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,260
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,171
−HK$924/mo
Today · 4.125%
HK$31,095
baseline
▲ 0.50% · 4.625%
HK$32,987
+HK$1,892/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,190/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,552
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,425
−HK$886/mo
Today · 4.125%
HK$34,311
baseline
▲ 0.50% · 4.625%
HK$36,119
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,622/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,620
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,791
−HK$1,189/mo
Today · 4.125%
HK$39,980
baseline
▲ 0.50% · 4.625%
HK$42,412
+HK$2,432/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$79,960/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,852
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,975
−HK$1,139/mo
Today · 4.125%
HK$44,114
baseline
▲ 0.50% · 4.625%
HK$46,439
+HK$2,325/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,228/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,575 · 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).