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$286,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,249
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,872
−HK$633/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$286,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,078
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,858
−HK$792/mo
Today · 4.125%
HK$26,650
baseline
▲ 0.50% · 4.625%
HK$28,272
+HK$1,622/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$286,481 · 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$30,956
+HK$1,550/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$286,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,257
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,167
−HK$925/mo
Today · 4.125%
HK$31,092
baseline
▲ 0.50% · 4.625%
HK$32,984
+HK$1,892/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,184/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,549
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,421
−HK$886/mo
Today · 4.125%
HK$34,307
baseline
▲ 0.50% · 4.625%
HK$36,115
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,614/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,617
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,787
−HK$1,188/mo
Today · 4.125%
HK$39,975
baseline
▲ 0.50% · 4.625%
HK$42,408
+HK$2,433/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$79,950/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,848
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,970
−HK$1,139/mo
Today · 4.125%
HK$44,109
baseline
▲ 0.50% · 4.625%
HK$46,434
+HK$2,325/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$88,218/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,481 · 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).