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$20,905
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,555
−HK$661/mo
Today · 4.125%
HK$22,216
baseline
▲ 0.50% · 4.625%
HK$23,568
+HK$1,352/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,432/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,257
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,880
−HK$633/mo
Today · 4.125%
HK$24,513
baseline
▲ 0.50% · 4.625%
HK$25,805
+HK$1,292/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,026/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,086
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,866
−HK$793/mo
Today · 4.125%
HK$26,659
baseline
▲ 0.50% · 4.625%
HK$28,281
+HK$1,622/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,318/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,908
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,657
−HK$759/mo
Today · 4.125%
HK$29,416
baseline
▲ 0.50% · 4.625%
HK$30,966
+HK$1,550/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,832/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,267
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,178
−HK$924/mo
Today · 4.125%
HK$31,102
baseline
▲ 0.50% · 4.625%
HK$32,995
+HK$1,893/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,204/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,559
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,433
−HK$886/mo
Today · 4.125%
HK$34,319
baseline
▲ 0.50% · 4.625%
HK$36,127
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,638/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,629
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,800
−HK$1,189/mo
Today · 4.125%
HK$39,989
baseline
▲ 0.50% · 4.625%
HK$42,422
+HK$2,433/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$79,978/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,862
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,985
−HK$1,139/mo
Today · 4.125%
HK$44,124
baseline
▲ 0.50% · 4.625%
HK$46,450
+HK$2,326/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,248/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,788 · 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).