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$20,909
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,560
−HK$660/mo
Today · 4.125%
HK$22,220
baseline
▲ 0.50% · 4.625%
HK$23,572
+HK$1,352/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,440/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,261
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,885
−HK$633/mo
Today · 4.125%
HK$24,518
baseline
▲ 0.50% · 4.625%
HK$25,810
+HK$1,292/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,036/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,091
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,871
−HK$793/mo
Today · 4.125%
HK$26,664
baseline
▲ 0.50% · 4.625%
HK$28,287
+HK$1,623/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,328/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,913
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,662
−HK$760/mo
Today · 4.125%
HK$29,422
baseline
▲ 0.50% · 4.625%
HK$30,972
+HK$1,550/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,844/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,273
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,183
−HK$925/mo
Today · 4.125%
HK$31,108
baseline
▲ 0.50% · 4.625%
HK$33,001
+HK$1,893/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,216/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,566
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,439
−HK$886/mo
Today · 4.125%
HK$34,325
baseline
▲ 0.50% · 4.625%
HK$36,134
+HK$1,809/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,650/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,636
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,807
−HK$1,190/mo
Today · 4.125%
HK$39,997
baseline
▲ 0.50% · 4.625%
HK$42,430
+HK$2,433/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$79,994/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,870
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,993
−HK$1,139/mo
Today · 4.125%
HK$44,132
baseline
▲ 0.50% · 4.625%
HK$46,459
+HK$2,327/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,264/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,965 · 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).