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$20,890
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,539
−HK$661/mo
Today · 4.125%
HK$22,200
baseline
▲ 0.50% · 4.625%
HK$23,550
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,400/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,239
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,863
−HK$632/mo
Today · 4.125%
HK$24,495
baseline
▲ 0.50% · 4.625%
HK$25,786
+HK$1,291/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,990/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,068
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,847
−HK$792/mo
Today · 4.125%
HK$26,639
baseline
▲ 0.50% · 4.625%
HK$28,260
+HK$1,621/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$53,278/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,887
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,635
−HK$759/mo
Today · 4.125%
HK$29,394
baseline
▲ 0.50% · 4.625%
HK$30,943
+HK$1,549/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$58,788/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,245
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,155
−HK$924/mo
Today · 4.125%
HK$31,079
baseline
▲ 0.50% · 4.625%
HK$32,970
+HK$1,891/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,158/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$286,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,535
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,408
−HK$885/mo
Today · 4.125%
HK$34,293
baseline
▲ 0.50% · 4.625%
HK$36,101
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,586/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$286,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,601
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,771
−HK$1,188/mo
Today · 4.125%
HK$39,959
baseline
▲ 0.50% · 4.625%
HK$42,391
+HK$2,432/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$79,918/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,831
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,953
−HK$1,138/mo
Today · 4.125%
HK$44,091
baseline
▲ 0.50% · 4.625%
HK$46,415
+HK$2,324/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$88,182/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,108 · 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).