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$20,888
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,538
−HK$660/mo
Today · 4.125%
HK$22,198
baseline
▲ 0.50% · 4.625%
HK$23,548
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,396/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,238
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,861
−HK$632/mo
Today · 4.125%
HK$24,493
baseline
▲ 0.50% · 4.625%
HK$25,784
+HK$1,291/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,986/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,066
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,845
−HK$792/mo
Today · 4.125%
HK$26,637
baseline
▲ 0.50% · 4.625%
HK$28,258
+HK$1,621/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$53,274/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,885
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,633
−HK$759/mo
Today · 4.125%
HK$29,392
baseline
▲ 0.50% · 4.625%
HK$30,941
+HK$1,549/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$58,784/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,243
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,153
−HK$924/mo
Today · 4.125%
HK$31,077
baseline
▲ 0.50% · 4.625%
HK$32,968
+HK$1,891/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,154/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$286,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,533
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,405
−HK$885/mo
Today · 4.125%
HK$34,290
baseline
▲ 0.50% · 4.625%
HK$36,098
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,580/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$286,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,598
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,768
−HK$1,188/mo
Today · 4.125%
HK$39,956
baseline
▲ 0.50% · 4.625%
HK$42,387
+HK$2,431/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$79,912/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,828
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,950
−HK$1,138/mo
Today · 4.125%
HK$44,088
baseline
▲ 0.50% · 4.625%
HK$46,411
+HK$2,323/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$88,176/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,036 · 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).