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$20,911
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,562
−HK$661/mo
Today · 4.125%
HK$22,223
baseline
▲ 0.50% · 4.625%
HK$23,575
+HK$1,352/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,446/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,264
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,887
−HK$633/mo
Today · 4.125%
HK$24,520
baseline
▲ 0.50% · 4.625%
HK$25,813
+HK$1,293/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,040/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,094
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,874
−HK$793/mo
Today · 4.125%
HK$26,667
baseline
▲ 0.50% · 4.625%
HK$28,290
+HK$1,623/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,334/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,916
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,665
−HK$760/mo
Today · 4.125%
HK$29,425
baseline
▲ 0.50% · 4.625%
HK$30,976
+HK$1,551/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,850/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,276
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,186
−HK$926/mo
Today · 4.125%
HK$31,112
baseline
▲ 0.50% · 4.625%
HK$33,005
+HK$1,893/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,224/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,569
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,442
−HK$887/mo
Today · 4.125%
HK$34,329
baseline
▲ 0.50% · 4.625%
HK$36,138
+HK$1,809/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,658/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,640
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,811
−HK$1,190/mo
Today · 4.125%
HK$40,001
baseline
▲ 0.50% · 4.625%
HK$42,435
+HK$2,434/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$80,002/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,874
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$42,997
−HK$1,140/mo
Today · 4.125%
HK$44,137
baseline
▲ 0.50% · 4.625%
HK$46,463
+HK$2,326/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,274/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,058 · 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).