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$20,914
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,564
−HK$661/mo
Today · 4.125%
HK$22,225
baseline
▲ 0.50% · 4.625%
HK$23,578
+HK$1,353/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,450/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,266
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,890
−HK$633/mo
Today · 4.125%
HK$24,523
baseline
▲ 0.50% · 4.625%
HK$25,816
+HK$1,293/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,046/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,096
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,877
−HK$793/mo
Today · 4.125%
HK$26,670
baseline
▲ 0.50% · 4.625%
HK$28,293
+HK$1,623/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,340/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,920
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,668
−HK$760/mo
Today · 4.125%
HK$29,428
baseline
▲ 0.50% · 4.625%
HK$30,979
+HK$1,551/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,856/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,279
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,190
−HK$925/mo
Today · 4.125%
HK$31,115
baseline
▲ 0.50% · 4.625%
HK$33,009
+HK$1,894/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,230/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,573
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,446
−HK$887/mo
Today · 4.125%
HK$34,333
baseline
▲ 0.50% · 4.625%
HK$36,142
+HK$1,809/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,666/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,645
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,816
−HK$1,189/mo
Today · 4.125%
HK$40,005
baseline
▲ 0.50% · 4.625%
HK$42,440
+HK$2,435/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$80,010/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,879
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,003
−HK$1,139/mo
Today · 4.125%
HK$44,142
baseline
▲ 0.50% · 4.625%
HK$46,469
+HK$2,327/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,284/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,166 · 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).