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$20,906
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,557
−HK$660/mo
Today · 4.125%
HK$22,217
baseline
▲ 0.50% · 4.625%
HK$23,569
+HK$1,352/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,434/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,258
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,882
−HK$633/mo
Today · 4.125%
HK$24,515
baseline
▲ 0.50% · 4.625%
HK$25,807
+HK$1,292/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,030/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,088
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,868
−HK$793/mo
Today · 4.125%
HK$26,661
baseline
▲ 0.50% · 4.625%
HK$28,283
+HK$1,622/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,322/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,910
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,658
−HK$760/mo
Today · 4.125%
HK$29,418
baseline
▲ 0.50% · 4.625%
HK$30,968
+HK$1,550/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,836/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,269
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,179
−HK$925/mo
Today · 4.125%
HK$31,104
baseline
▲ 0.50% · 4.625%
HK$32,997
+HK$1,893/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,208/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,562
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,435
−HK$886/mo
Today · 4.125%
HK$34,321
baseline
▲ 0.50% · 4.625%
HK$36,130
+HK$1,809/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,642/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,632
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,802
−HK$1,189/mo
Today · 4.125%
HK$39,991
baseline
▲ 0.50% · 4.625%
HK$42,425
+HK$2,434/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$79,982/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,865
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,988
−HK$1,139/mo
Today · 4.125%
HK$44,127
baseline
▲ 0.50% · 4.625%
HK$46,453
+HK$2,326/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,254/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,847 · 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).