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$20,911
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,561
−HK$661/mo
Today · 4.125%
HK$22,222
baseline
▲ 0.50% · 4.625%
HK$23,574
+HK$1,352/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,444/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,263
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,887
−HK$633/mo
Today · 4.125%
HK$24,520
baseline
▲ 0.50% · 4.625%
HK$25,812
+HK$1,292/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,040/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,093
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,873
−HK$793/mo
Today · 4.125%
HK$26,666
baseline
▲ 0.50% · 4.625%
HK$28,289
+HK$1,623/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,332/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,915
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,664
−HK$760/mo
Today · 4.125%
HK$29,424
baseline
▲ 0.50% · 4.625%
HK$30,974
+HK$1,550/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,848/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,275
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,185
−HK$926/mo
Today · 4.125%
HK$31,111
baseline
▲ 0.50% · 4.625%
HK$33,004
+HK$1,893/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,222/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,568
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,441
−HK$886/mo
Today · 4.125%
HK$34,327
baseline
▲ 0.50% · 4.625%
HK$36,137
+HK$1,810/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,654/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,639
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,810
−HK$1,189/mo
Today · 4.125%
HK$39,999
baseline
▲ 0.50% · 4.625%
HK$42,433
+HK$2,434/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$79,998/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,873
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,996
−HK$1,139/mo
Today · 4.125%
HK$44,135
baseline
▲ 0.50% · 4.625%
HK$46,462
+HK$2,327/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,270/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,027 · 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).