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$20,916
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,567
−HK$661/mo
Today · 4.125%
HK$22,228
baseline
▲ 0.50% · 4.625%
HK$23,581
+HK$1,353/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,456/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,269
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,893
−HK$633/mo
Today · 4.125%
HK$24,526
baseline
▲ 0.50% · 4.625%
HK$25,819
+HK$1,293/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,052/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,100
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,880
−HK$794/mo
Today · 4.125%
HK$26,674
baseline
▲ 0.50% · 4.625%
HK$28,297
+HK$1,623/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,348/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,923
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,672
−HK$760/mo
Today · 4.125%
HK$29,432
baseline
▲ 0.50% · 4.625%
HK$30,983
+HK$1,551/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,864/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,283
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,194
−HK$925/mo
Today · 4.125%
HK$31,119
baseline
▲ 0.50% · 4.625%
HK$33,013
+HK$1,894/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,238/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,577
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,451
−HK$886/mo
Today · 4.125%
HK$34,337
baseline
▲ 0.50% · 4.625%
HK$36,147
+HK$1,810/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,674/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,649
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,821
−HK$1,189/mo
Today · 4.125%
HK$40,010
baseline
▲ 0.50% · 4.625%
HK$42,445
+HK$2,435/mo
Deposit HK$917K · loan HK$8.26M · min. income ≈ HK$80,020/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,885
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$43,008
−HK$1,139/mo
Today · 4.125%
HK$44,147
baseline
▲ 0.50% · 4.625%
HK$46,475
+HK$2,328/mo
Deposit HK$917K · loan HK$8.26M · min. income ≈ HK$88,294/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,281 · 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).