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$20,898
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,548
−HK$660/mo
Today · 4.125%
HK$22,208
baseline
▲ 0.50% · 4.625%
HK$23,559
+HK$1,351/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,416/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,248
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,872
−HK$632/mo
Today · 4.125%
HK$24,504
baseline
▲ 0.50% · 4.625%
HK$25,796
+HK$1,292/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,008/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,077
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,857
−HK$793/mo
Today · 4.125%
HK$26,650
baseline
▲ 0.50% · 4.625%
HK$28,271
+HK$1,621/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,300/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,898
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,646
−HK$759/mo
Today · 4.125%
HK$29,405
baseline
▲ 0.50% · 4.625%
HK$30,955
+HK$1,550/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,810/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,257
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,167
−HK$924/mo
Today · 4.125%
HK$31,091
baseline
▲ 0.50% · 4.625%
HK$32,983
+HK$1,892/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,182/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,548
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,421
−HK$885/mo
Today · 4.125%
HK$34,306
baseline
▲ 0.50% · 4.625%
HK$36,114
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,612/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,616
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,786
−HK$1,188/mo
Today · 4.125%
HK$39,974
baseline
▲ 0.50% · 4.625%
HK$42,407
+HK$2,433/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$79,948/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,847
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,969
−HK$1,139/mo
Today · 4.125%
HK$44,108
baseline
▲ 0.50% · 4.625%
HK$46,433
+HK$2,325/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$88,216/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,458 · 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).