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$23,549
+HK$1,351/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$286,048 · 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$25,785
+HK$1,292/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$286,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,066
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,846
−HK$792/mo
Today · 4.125%
HK$26,638
baseline
▲ 0.50% · 4.625%
HK$28,259
+HK$1,621/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$53,276/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,886
−HK$1,506/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$286,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,244
−HK$1,833/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$286,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,533
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,406
−HK$885/mo
Today · 4.125%
HK$34,291
baseline
▲ 0.50% · 4.625%
HK$36,098
+HK$1,807/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,582/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$286,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,599
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,768
−HK$1,189/mo
Today · 4.125%
HK$39,957
baseline
▲ 0.50% · 4.625%
HK$42,388
+HK$2,431/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$79,914/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,048 · 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$46,412
+HK$2,324/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$286,048 · 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).