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$20,892
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,542
−HK$660/mo
Today · 4.125%
HK$22,202
baseline
▲ 0.50% · 4.625%
HK$23,553
+HK$1,351/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,404/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,242
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,865
−HK$633/mo
Today · 4.125%
HK$24,498
baseline
▲ 0.50% · 4.625%
HK$25,789
+HK$1,291/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,996/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,070
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,850
−HK$792/mo
Today · 4.125%
HK$26,642
baseline
▲ 0.50% · 4.625%
HK$28,263
+HK$1,621/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$53,284/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,890
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,638
−HK$759/mo
Today · 4.125%
HK$29,397
baseline
▲ 0.50% · 4.625%
HK$30,947
+HK$1,550/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$58,794/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,249
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,158
−HK$925/mo
Today · 4.125%
HK$31,083
baseline
▲ 0.50% · 4.625%
HK$32,974
+HK$1,891/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,166/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$286,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,539
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,411
−HK$886/mo
Today · 4.125%
HK$34,297
baseline
▲ 0.50% · 4.625%
HK$36,105
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,594/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$286,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,605
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,775
−HK$1,189/mo
Today · 4.125%
HK$39,964
baseline
▲ 0.50% · 4.625%
HK$42,395
+HK$2,431/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$79,928/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,836
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,958
−HK$1,138/mo
Today · 4.125%
HK$44,096
baseline
▲ 0.50% · 4.625%
HK$46,420
+HK$2,324/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$88,192/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,207 · 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).