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$20,918
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,569
−HK$661/mo
Today · 4.125%
HK$22,230
baseline
▲ 0.50% · 4.625%
HK$23,582
+HK$1,352/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,460/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,271
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,895
−HK$633/mo
Today · 4.125%
HK$24,528
baseline
▲ 0.50% · 4.625%
HK$25,821
+HK$1,293/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,056/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,102
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,882
−HK$794/mo
Today · 4.125%
HK$26,676
baseline
▲ 0.50% · 4.625%
HK$28,299
+HK$1,623/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,352/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,925
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,674
−HK$760/mo
Today · 4.125%
HK$29,434
baseline
▲ 0.50% · 4.625%
HK$30,985
+HK$1,551/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,868/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,285
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,196
−HK$926/mo
Today · 4.125%
HK$31,122
baseline
▲ 0.50% · 4.625%
HK$33,015
+HK$1,893/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,244/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,579
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,453
−HK$887/mo
Today · 4.125%
HK$34,340
baseline
▲ 0.50% · 4.625%
HK$36,150
+HK$1,810/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,680/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,652
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,824
−HK$1,189/mo
Today · 4.125%
HK$40,013
baseline
▲ 0.50% · 4.625%
HK$42,448
+HK$2,435/mo
Deposit HK$917K · loan HK$8.26M · min. income ≈ HK$80,026/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,888
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,011
−HK$1,140/mo
Today · 4.125%
HK$44,151
baseline
▲ 0.50% · 4.625%
HK$46,478
+HK$2,327/mo
Deposit HK$917K · loan HK$8.26M · min. income ≈ HK$88,302/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,352 · 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).