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$20,902
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,552
−HK$660/mo
Today · 4.125%
HK$22,212
baseline
▲ 0.50% · 4.625%
HK$23,564
+HK$1,352/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$286,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,253
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,876
−HK$633/mo
Today · 4.125%
HK$24,509
baseline
▲ 0.50% · 4.625%
HK$25,801
+HK$1,292/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,018/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,082
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,862
−HK$793/mo
Today · 4.125%
HK$26,655
baseline
▲ 0.50% · 4.625%
HK$28,277
+HK$1,622/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,310/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,903
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,652
−HK$759/mo
Today · 4.125%
HK$29,411
baseline
▲ 0.50% · 4.625%
HK$30,961
+HK$1,550/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,822/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,262
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,172
−HK$925/mo
Today · 4.125%
HK$31,097
baseline
▲ 0.50% · 4.625%
HK$32,989
+HK$1,892/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,194/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,554
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,427
−HK$886/mo
Today · 4.125%
HK$34,313
baseline
▲ 0.50% · 4.625%
HK$36,121
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,626/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,623
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,793
−HK$1,189/mo
Today · 4.125%
HK$39,982
baseline
▲ 0.50% · 4.625%
HK$42,415
+HK$2,433/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$79,964/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,855
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,978
−HK$1,138/mo
Today · 4.125%
HK$44,116
baseline
▲ 0.50% · 4.625%
HK$46,442
+HK$2,326/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,232/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,632 · 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).