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$20,887
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,537
−HK$660/mo
Today · 4.125%
HK$22,197
baseline
▲ 0.50% · 4.625%
HK$23,547
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,394/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$285,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,236
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,860
−HK$632/mo
Today · 4.125%
HK$24,492
baseline
▲ 0.50% · 4.625%
HK$25,783
+HK$1,291/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,984/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$285,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,064
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,844
−HK$792/mo
Today · 4.125%
HK$26,636
baseline
▲ 0.50% · 4.625%
HK$28,257
+HK$1,621/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$53,272/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,884
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,632
−HK$758/mo
Today · 4.125%
HK$29,390
baseline
▲ 0.50% · 4.625%
HK$30,939
+HK$1,549/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$58,780/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,242
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,151
−HK$924/mo
Today · 4.125%
HK$31,075
baseline
▲ 0.50% · 4.625%
HK$32,966
+HK$1,891/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,150/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,531
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,403
−HK$886/mo
Today · 4.125%
HK$34,289
baseline
▲ 0.50% · 4.625%
HK$36,096
+HK$1,807/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,578/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,596
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,766
−HK$1,188/mo
Today · 4.125%
HK$39,954
baseline
▲ 0.50% · 4.625%
HK$42,385
+HK$2,431/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$79,908/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,826
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,947
−HK$1,138/mo
Today · 4.125%
HK$44,085
baseline
▲ 0.50% · 4.625%
HK$46,409
+HK$2,324/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$88,170/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,988 · 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).