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$20,908
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,558
−HK$661/mo
Today · 4.125%
HK$22,219
baseline
▲ 0.50% · 4.625%
HK$23,571
+HK$1,352/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,438/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,260
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,883
−HK$633/mo
Today · 4.125%
HK$24,516
baseline
▲ 0.50% · 4.625%
HK$25,809
+HK$1,293/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,032/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,089
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,870
−HK$793/mo
Today · 4.125%
HK$26,663
baseline
▲ 0.50% · 4.625%
HK$28,285
+HK$1,622/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,326/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,912
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,660
−HK$760/mo
Today · 4.125%
HK$29,420
baseline
▲ 0.50% · 4.625%
HK$30,970
+HK$1,550/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,840/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,271
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,181
−HK$925/mo
Today · 4.125%
HK$31,106
baseline
▲ 0.50% · 4.625%
HK$32,999
+HK$1,893/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,212/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,564
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,437
−HK$886/mo
Today · 4.125%
HK$34,323
baseline
▲ 0.50% · 4.625%
HK$36,132
+HK$1,809/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,646/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,634
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,805
−HK$1,189/mo
Today · 4.125%
HK$39,994
baseline
▲ 0.50% · 4.625%
HK$42,427
+HK$2,433/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$79,988/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,867
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,990
−HK$1,139/mo
Today · 4.125%
HK$44,129
baseline
▲ 0.50% · 4.625%
HK$46,456
+HK$2,327/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,258/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,905 · 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).