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$20,891
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,541
−HK$660/mo
Today · 4.125%
HK$22,201
baseline
▲ 0.50% · 4.625%
HK$23,552
+HK$1,351/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,402/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,241
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,864
−HK$633/mo
Today · 4.125%
HK$24,497
baseline
▲ 0.50% · 4.625%
HK$25,788
+HK$1,291/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,994/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,069
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,849
−HK$792/mo
Today · 4.125%
HK$26,641
baseline
▲ 0.50% · 4.625%
HK$28,262
+HK$1,621/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$53,282/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,889
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,637
−HK$759/mo
Today · 4.125%
HK$29,396
baseline
▲ 0.50% · 4.625%
HK$30,946
+HK$1,550/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$58,792/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,247
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,157
−HK$925/mo
Today · 4.125%
HK$31,082
baseline
▲ 0.50% · 4.625%
HK$32,973
+HK$1,891/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,164/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$286,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,538
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,410
−HK$885/mo
Today · 4.125%
HK$34,295
baseline
▲ 0.50% · 4.625%
HK$36,103
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,590/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$286,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,604
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,774
−HK$1,188/mo
Today · 4.125%
HK$39,962
baseline
▲ 0.50% · 4.625%
HK$42,394
+HK$2,432/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$79,924/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,834
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,956
−HK$1,138/mo
Today · 4.125%
HK$44,094
baseline
▲ 0.50% · 4.625%
HK$46,418
+HK$2,324/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$88,188/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,172 · 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).