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$20,920
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,571
−HK$661/mo
Today · 4.125%
HK$22,232
baseline
▲ 0.50% · 4.625%
HK$23,585
+HK$1,353/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,464/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,273
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,898
−HK$633/mo
Today · 4.125%
HK$24,531
baseline
▲ 0.50% · 4.625%
HK$25,824
+HK$1,293/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,062/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,104
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,885
−HK$793/mo
Today · 4.125%
HK$26,678
baseline
▲ 0.50% · 4.625%
HK$28,302
+HK$1,624/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,356/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,928
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,677
−HK$760/mo
Today · 4.125%
HK$29,437
baseline
▲ 0.50% · 4.625%
HK$30,989
+HK$1,552/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,874/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,288
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,199
−HK$926/mo
Today · 4.125%
HK$31,125
baseline
▲ 0.50% · 4.625%
HK$33,019
+HK$1,894/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,250/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,583
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,457
−HK$886/mo
Today · 4.125%
HK$34,343
baseline
▲ 0.50% · 4.625%
HK$36,153
+HK$1,810/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,686/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,656
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,828
−HK$1,190/mo
Today · 4.125%
HK$40,018
baseline
▲ 0.50% · 4.625%
HK$42,453
+HK$2,435/mo
Deposit HK$917K · loan HK$8.26M · min. income ≈ HK$80,036/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,892
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,016
−HK$1,139/mo
Today · 4.125%
HK$44,155
baseline
▲ 0.50% · 4.625%
HK$46,483
+HK$2,328/mo
Deposit HK$917K · loan HK$8.26M · min. income ≈ HK$88,310/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,446 · 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).