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$20,899
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,549
−HK$661/mo
Today · 4.125%
HK$22,210
baseline
▲ 0.50% · 4.625%
HK$23,561
+HK$1,351/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,420/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,250
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,873
−HK$633/mo
Today · 4.125%
HK$24,506
baseline
▲ 0.50% · 4.625%
HK$25,798
+HK$1,292/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,012/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,079
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,859
−HK$792/mo
Today · 4.125%
HK$26,651
baseline
▲ 0.50% · 4.625%
HK$28,273
+HK$1,622/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,302/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,900
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,648
−HK$759/mo
Today · 4.125%
HK$29,407
baseline
▲ 0.50% · 4.625%
HK$30,957
+HK$1,550/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,814/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,259
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,169
−HK$924/mo
Today · 4.125%
HK$31,093
baseline
▲ 0.50% · 4.625%
HK$32,985
+HK$1,892/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,186/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,550
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,423
−HK$885/mo
Today · 4.125%
HK$34,308
baseline
▲ 0.50% · 4.625%
HK$36,117
+HK$1,809/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,616/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,618
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,788
−HK$1,189/mo
Today · 4.125%
HK$39,977
baseline
▲ 0.50% · 4.625%
HK$42,410
+HK$2,433/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$79,954/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,850
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,972
−HK$1,139/mo
Today · 4.125%
HK$44,111
baseline
▲ 0.50% · 4.625%
HK$46,436
+HK$2,325/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,222/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,519 · 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).