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$20,906
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,556
−HK$661/mo
Today · 4.125%
HK$22,217
baseline
▲ 0.50% · 4.625%
HK$23,569
+HK$1,352/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,434/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,258
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,881
−HK$633/mo
Today · 4.125%
HK$24,514
baseline
▲ 0.50% · 4.625%
HK$25,806
+HK$1,292/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,028/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,087
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,867
−HK$793/mo
Today · 4.125%
HK$26,660
baseline
▲ 0.50% · 4.625%
HK$28,282
+HK$1,622/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,320/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,909
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,658
−HK$759/mo
Today · 4.125%
HK$29,417
baseline
▲ 0.50% · 4.625%
HK$30,968
+HK$1,551/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,834/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,268
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,179
−HK$925/mo
Today · 4.125%
HK$31,104
baseline
▲ 0.50% · 4.625%
HK$32,996
+HK$1,892/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,208/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,561
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,434
−HK$886/mo
Today · 4.125%
HK$34,320
baseline
▲ 0.50% · 4.625%
HK$36,129
+HK$1,809/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,640/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,631
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,801
−HK$1,189/mo
Today · 4.125%
HK$39,990
baseline
▲ 0.50% · 4.625%
HK$42,424
+HK$2,434/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$79,980/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,864
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,986
−HK$1,139/mo
Today · 4.125%
HK$44,125
baseline
▲ 0.50% · 4.625%
HK$46,451
+HK$2,326/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,250/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,822 · 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).