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$1,310/mo
▼ 0.25% · 3.875%
HK$21,550
−HK$660/mo
Today · 4.125%
HK$22,210
baseline
▲ 0.50% · 4.625%
HK$23,562
+HK$1,352/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,420/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,251
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,874
−HK$633/mo
Today · 4.125%
HK$24,507
baseline
▲ 0.50% · 4.625%
HK$25,799
+HK$1,292/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,014/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,080
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,860
−HK$792/mo
Today · 4.125%
HK$26,652
baseline
▲ 0.50% · 4.625%
HK$28,274
+HK$1,622/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,304/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,901
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,649
−HK$759/mo
Today · 4.125%
HK$29,408
baseline
▲ 0.50% · 4.625%
HK$30,959
+HK$1,551/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,816/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,260
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,170
−HK$925/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$286,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,551
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,424
−HK$886/mo
Today · 4.125%
HK$34,310
baseline
▲ 0.50% · 4.625%
HK$36,118
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,620/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,620
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,790
−HK$1,189/mo
Today · 4.125%
HK$39,979
baseline
▲ 0.50% · 4.625%
HK$42,411
+HK$2,432/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$79,958/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,851
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,974
−HK$1,139/mo
Today · 4.125%
HK$44,113
baseline
▲ 0.50% · 4.625%
HK$46,438
+HK$2,325/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,226/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,555 · 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).