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$20,901
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,551
−HK$661/mo
Today · 4.125%
HK$22,212
baseline
▲ 0.50% · 4.625%
HK$23,563
+HK$1,351/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,424/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,252
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,876
−HK$632/mo
Today · 4.125%
HK$24,508
baseline
▲ 0.50% · 4.625%
HK$25,800
+HK$1,292/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$286,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,081
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,861
−HK$793/mo
Today · 4.125%
HK$26,654
baseline
▲ 0.50% · 4.625%
HK$28,276
+HK$1,622/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,308/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,903
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,651
−HK$759/mo
Today · 4.125%
HK$29,410
baseline
▲ 0.50% · 4.625%
HK$30,960
+HK$1,550/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,820/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,261
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,172
−HK$924/mo
Today · 4.125%
HK$31,096
baseline
▲ 0.50% · 4.625%
HK$32,989
+HK$1,893/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,192/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,553
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,426
−HK$886/mo
Today · 4.125%
HK$34,312
baseline
▲ 0.50% · 4.625%
HK$36,120
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,624/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,622
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,792
−HK$1,189/mo
Today · 4.125%
HK$39,981
baseline
▲ 0.50% · 4.625%
HK$42,414
+HK$2,433/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$79,962/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,854
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,976
−HK$1,139/mo
Today · 4.125%
HK$44,115
baseline
▲ 0.50% · 4.625%
HK$46,441
+HK$2,326/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,230/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,609 · 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).