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$20,910
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,560
−HK$661/mo
Today · 4.125%
HK$22,221
baseline
▲ 0.50% · 4.625%
HK$23,573
+HK$1,352/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,442/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,262
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,886
−HK$633/mo
Today · 4.125%
HK$24,519
baseline
▲ 0.50% · 4.625%
HK$25,811
+HK$1,292/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,038/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,092
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,873
−HK$793/mo
Today · 4.125%
HK$26,666
baseline
▲ 0.50% · 4.625%
HK$28,288
+HK$1,622/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$287,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,915
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,663
−HK$760/mo
Today · 4.125%
HK$29,423
baseline
▲ 0.50% · 4.625%
HK$30,974
+HK$1,551/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,846/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,274
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,185
−HK$925/mo
Today · 4.125%
HK$31,110
baseline
▲ 0.50% · 4.625%
HK$33,003
+HK$1,893/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,220/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,567
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,441
−HK$886/mo
Today · 4.125%
HK$34,327
baseline
▲ 0.50% · 4.625%
HK$36,136
+HK$1,809/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$287,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,638
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,809
−HK$1,189/mo
Today · 4.125%
HK$39,998
baseline
▲ 0.50% · 4.625%
HK$42,432
+HK$2,434/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$79,996/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,872
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,995
−HK$1,139/mo
Today · 4.125%
HK$44,134
baseline
▲ 0.50% · 4.625%
HK$46,461
+HK$2,327/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,268/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,005 · 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).