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$20,919
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,570
−HK$661/mo
Today · 4.125%
HK$22,231
baseline
▲ 0.50% · 4.625%
HK$23,584
+HK$1,353/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,462/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,272
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,897
−HK$633/mo
Today · 4.125%
HK$24,530
baseline
▲ 0.50% · 4.625%
HK$25,823
+HK$1,293/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,060/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,103
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,884
−HK$793/mo
Today · 4.125%
HK$26,677
baseline
▲ 0.50% · 4.625%
HK$28,300
+HK$1,623/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,354/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,927
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,676
−HK$760/mo
Today · 4.125%
HK$29,436
baseline
▲ 0.50% · 4.625%
HK$30,987
+HK$1,551/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,872/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,287
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,198
−HK$925/mo
Today · 4.125%
HK$31,123
baseline
▲ 0.50% · 4.625%
HK$33,017
+HK$1,894/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,246/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,581
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,455
−HK$887/mo
Today · 4.125%
HK$34,342
baseline
▲ 0.50% · 4.625%
HK$36,152
+HK$1,810/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,684/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,655
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,826
−HK$1,190/mo
Today · 4.125%
HK$40,016
baseline
▲ 0.50% · 4.625%
HK$42,451
+HK$2,435/mo
Deposit HK$917K · loan HK$8.26M · min. income ≈ HK$80,032/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,890
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,014
−HK$1,139/mo
Today · 4.125%
HK$44,153
baseline
▲ 0.50% · 4.625%
HK$46,481
+HK$2,328/mo
Deposit HK$917K · loan HK$8.26M · min. income ≈ HK$88,306/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,405 · 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).