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$20,896
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,546
−HK$660/mo
Today · 4.125%
HK$22,206
baseline
▲ 0.50% · 4.625%
HK$23,557
+HK$1,351/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,412/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,246
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,870
−HK$632/mo
Today · 4.125%
HK$24,502
baseline
▲ 0.50% · 4.625%
HK$25,794
+HK$1,292/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,004/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,075
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,855
−HK$792/mo
Today · 4.125%
HK$26,647
baseline
▲ 0.50% · 4.625%
HK$28,269
+HK$1,622/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,294/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,895
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,644
−HK$759/mo
Today · 4.125%
HK$29,403
baseline
▲ 0.50% · 4.625%
HK$30,952
+HK$1,549/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,806/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,254
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,164
−HK$924/mo
Today · 4.125%
HK$31,088
baseline
▲ 0.50% · 4.625%
HK$32,980
+HK$1,892/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,176/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,545
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,417
−HK$886/mo
Today · 4.125%
HK$34,303
baseline
▲ 0.50% · 4.625%
HK$36,111
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,606/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,612
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,782
−HK$1,189/mo
Today · 4.125%
HK$39,971
baseline
▲ 0.50% · 4.625%
HK$42,403
+HK$2,432/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$79,942/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,843
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,965
−HK$1,139/mo
Today · 4.125%
HK$44,104
baseline
▲ 0.50% · 4.625%
HK$46,429
+HK$2,325/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$88,208/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,373 · 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).