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$20,907
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,557
−HK$661/mo
Today · 4.125%
HK$22,218
baseline
▲ 0.50% · 4.625%
HK$23,570
+HK$1,352/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,436/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,259
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,883
−HK$632/mo
Today · 4.125%
HK$24,515
baseline
▲ 0.50% · 4.625%
HK$25,808
+HK$1,293/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,030/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,088
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,869
−HK$793/mo
Today · 4.125%
HK$26,662
baseline
▲ 0.50% · 4.625%
HK$28,284
+HK$1,622/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,324/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,911
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,659
−HK$760/mo
Today · 4.125%
HK$29,419
baseline
▲ 0.50% · 4.625%
HK$30,969
+HK$1,550/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,838/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,270
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,180
−HK$925/mo
Today · 4.125%
HK$31,105
baseline
▲ 0.50% · 4.625%
HK$32,998
+HK$1,893/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,210/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,562
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,436
−HK$886/mo
Today · 4.125%
HK$34,322
baseline
▲ 0.50% · 4.625%
HK$36,131
+HK$1,809/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,644/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,633
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,803
−HK$1,190/mo
Today · 4.125%
HK$39,993
baseline
▲ 0.50% · 4.625%
HK$42,426
+HK$2,433/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$79,986/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,866
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,989
−HK$1,139/mo
Today · 4.125%
HK$44,128
baseline
▲ 0.50% · 4.625%
HK$46,454
+HK$2,326/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,256/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,871 · 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).