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$20,894
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,544
−HK$660/mo
Today · 4.125%
HK$22,204
baseline
▲ 0.50% · 4.625%
HK$23,555
+HK$1,351/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,408/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,244
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,867
−HK$633/mo
Today · 4.125%
HK$24,500
baseline
▲ 0.50% · 4.625%
HK$25,791
+HK$1,291/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,000/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,072
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,852
−HK$793/mo
Today · 4.125%
HK$26,645
baseline
▲ 0.50% · 4.625%
HK$28,266
+HK$1,621/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,290/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,893
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,641
−HK$759/mo
Today · 4.125%
HK$29,400
baseline
▲ 0.50% · 4.625%
HK$30,950
+HK$1,550/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,800/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,251
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,161
−HK$925/mo
Today · 4.125%
HK$31,086
baseline
▲ 0.50% · 4.625%
HK$32,977
+HK$1,891/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,172/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,542
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,414
−HK$886/mo
Today · 4.125%
HK$34,300
baseline
▲ 0.50% · 4.625%
HK$36,108
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,600/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,609
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,779
−HK$1,188/mo
Today · 4.125%
HK$39,967
baseline
▲ 0.50% · 4.625%
HK$42,399
+HK$2,432/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$79,934/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,839
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,961
−HK$1,139/mo
Today · 4.125%
HK$44,100
baseline
▲ 0.50% · 4.625%
HK$46,424
+HK$2,324/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$88,200/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,290 · 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).