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$20,903
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,553
−HK$661/mo
Today · 4.125%
HK$22,214
baseline
▲ 0.50% · 4.625%
HK$23,566
+HK$1,352/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,428/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,255
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,878
−HK$633/mo
Today · 4.125%
HK$24,511
baseline
▲ 0.50% · 4.625%
HK$25,803
+HK$1,292/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,022/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,084
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,864
−HK$793/mo
Today · 4.125%
HK$26,657
baseline
▲ 0.50% · 4.625%
HK$28,279
+HK$1,622/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,314/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,905
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,654
−HK$759/mo
Today · 4.125%
HK$29,413
baseline
▲ 0.50% · 4.625%
HK$30,964
+HK$1,551/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,826/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,264
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,175
−HK$925/mo
Today · 4.125%
HK$31,100
baseline
▲ 0.50% · 4.625%
HK$32,992
+HK$1,892/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,200/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,556
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,430
−HK$885/mo
Today · 4.125%
HK$34,315
baseline
▲ 0.50% · 4.625%
HK$36,124
+HK$1,809/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,630/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,626
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,796
−HK$1,189/mo
Today · 4.125%
HK$39,985
baseline
▲ 0.50% · 4.625%
HK$42,418
+HK$2,433/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$79,970/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,858
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,981
−HK$1,139/mo
Today · 4.125%
HK$44,120
baseline
▲ 0.50% · 4.625%
HK$46,445
+HK$2,325/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,240/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,703 · 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).