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$20,921
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,572
−HK$661/mo
Today · 4.125%
HK$22,233
baseline
▲ 0.50% · 4.625%
HK$23,586
+HK$1,353/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,466/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,275
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,899
−HK$633/mo
Today · 4.125%
HK$24,532
baseline
▲ 0.50% · 4.625%
HK$25,825
+HK$1,293/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,064/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,105
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,886
−HK$794/mo
Today · 4.125%
HK$26,680
baseline
▲ 0.50% · 4.625%
HK$28,303
+HK$1,623/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,360/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,929
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,679
−HK$759/mo
Today · 4.125%
HK$29,438
baseline
▲ 0.50% · 4.625%
HK$30,990
+HK$1,552/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,876/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,290
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,201
−HK$925/mo
Today · 4.125%
HK$31,126
baseline
▲ 0.50% · 4.625%
HK$33,020
+HK$1,894/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,252/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,584
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,458
−HK$887/mo
Today · 4.125%
HK$34,345
baseline
▲ 0.50% · 4.625%
HK$36,155
+HK$1,810/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,690/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,658
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,829
−HK$1,191/mo
Today · 4.125%
HK$40,020
baseline
▲ 0.50% · 4.625%
HK$42,455
+HK$2,435/mo
Deposit HK$917K · loan HK$8.26M · min. income ≈ HK$80,040/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,894
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,018
−HK$1,140/mo
Today · 4.125%
HK$44,158
baseline
▲ 0.50% · 4.625%
HK$46,485
+HK$2,327/mo
Deposit HK$917K · loan HK$8.26M · min. income ≈ HK$88,316/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,491 · 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).