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$1,311/mo
▼ 0.25% · 3.875%
HK$21,548
−HK$661/mo
Today · 4.125%
HK$22,209
baseline
▲ 0.50% · 4.625%
HK$23,560
+HK$1,351/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,418/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,249
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,873
−HK$632/mo
Today · 4.125%
HK$24,505
baseline
▲ 0.50% · 4.625%
HK$25,797
+HK$1,292/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,010/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,078
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,858
−HK$793/mo
Today · 4.125%
HK$26,651
baseline
▲ 0.50% · 4.625%
HK$28,272
+HK$1,621/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,302/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,899
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,647
−HK$759/mo
Today · 4.125%
HK$29,406
baseline
▲ 0.50% · 4.625%
HK$30,957
+HK$1,551/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,812/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,258
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,168
−HK$925/mo
Today · 4.125%
HK$31,093
baseline
▲ 0.50% · 4.625%
HK$32,984
+HK$1,891/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,186/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,549
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,422
−HK$886/mo
Today · 4.125%
HK$34,308
baseline
▲ 0.50% · 4.625%
HK$36,116
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,616/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,617
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,787
−HK$1,189/mo
Today · 4.125%
HK$39,976
baseline
▲ 0.50% · 4.625%
HK$42,409
+HK$2,433/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$79,952/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,849
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,971
−HK$1,139/mo
Today · 4.125%
HK$44,110
baseline
▲ 0.50% · 4.625%
HK$46,435
+HK$2,325/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$88,220/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,495 · 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).