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$20,912
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,563
−HK$661/mo
Today · 4.125%
HK$22,224
baseline
▲ 0.50% · 4.625%
HK$23,576
+HK$1,352/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,448/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,265
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,889
−HK$633/mo
Today · 4.125%
HK$24,522
baseline
▲ 0.50% · 4.625%
HK$25,814
+HK$1,292/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,044/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,095
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,875
−HK$793/mo
Today · 4.125%
HK$26,668
baseline
▲ 0.50% · 4.625%
HK$28,291
+HK$1,623/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,336/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,918
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,666
−HK$760/mo
Today · 4.125%
HK$29,426
baseline
▲ 0.50% · 4.625%
HK$30,977
+HK$1,551/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,852/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,277
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,188
−HK$925/mo
Today · 4.125%
HK$31,113
baseline
▲ 0.50% · 4.625%
HK$33,006
+HK$1,893/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,226/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,571
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,444
−HK$886/mo
Today · 4.125%
HK$34,330
baseline
▲ 0.50% · 4.625%
HK$36,140
+HK$1,810/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,660/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,642
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,813
−HK$1,190/mo
Today · 4.125%
HK$40,003
baseline
▲ 0.50% · 4.625%
HK$42,437
+HK$2,434/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$80,006/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,876
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,000
−HK$1,139/mo
Today · 4.125%
HK$44,139
baseline
▲ 0.50% · 4.625%
HK$46,466
+HK$2,327/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,278/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,103 · 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).