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$20,885
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,535
−HK$660/mo
Today · 4.125%
HK$22,195
baseline
▲ 0.50% · 4.625%
HK$23,545
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,390/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$285,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,234
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,857
−HK$633/mo
Today · 4.125%
HK$24,490
baseline
▲ 0.50% · 4.625%
HK$25,780
+HK$1,290/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,980/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$285,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,062
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,842
−HK$792/mo
Today · 4.125%
HK$26,634
baseline
▲ 0.50% · 4.625%
HK$28,254
+HK$1,620/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$53,268/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,881
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,629
−HK$758/mo
Today · 4.125%
HK$29,387
baseline
▲ 0.50% · 4.625%
HK$30,937
+HK$1,550/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$58,774/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,239
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,148
−HK$924/mo
Today · 4.125%
HK$31,072
baseline
▲ 0.50% · 4.625%
HK$32,963
+HK$1,891/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,144/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,528
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,400
−HK$885/mo
Today · 4.125%
HK$34,285
baseline
▲ 0.50% · 4.625%
HK$36,093
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,570/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,593
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,762
−HK$1,188/mo
Today · 4.125%
HK$39,950
baseline
▲ 0.50% · 4.625%
HK$42,381
+HK$2,431/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$79,900/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,822
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,943
−HK$1,138/mo
Today · 4.125%
HK$44,081
baseline
▲ 0.50% · 4.625%
HK$46,405
+HK$2,324/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$88,162/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,904 · 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).