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$20,275
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,906
−HK$640/mo
Today · 4.125%
HK$21,546
baseline
▲ 0.50% · 4.625%
HK$22,858
+HK$1,312/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,092/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,556
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,161
−HK$613/mo
Today · 4.125%
HK$23,774
baseline
▲ 0.50% · 4.625%
HK$25,028
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,548/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,330
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,087
−HK$769/mo
Today · 4.125%
HK$25,856
baseline
▲ 0.50% · 4.625%
HK$27,429
+HK$1,573/mo
Deposit HK$3.56M · loan HK$5.33M · min. income ≈ HK$51,712/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,067
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,793
−HK$736/mo
Today · 4.125%
HK$28,529
baseline
▲ 0.50% · 4.625%
HK$30,033
+HK$1,504/mo
Deposit HK$3.56M · loan HK$5.33M · min. income ≈ HK$57,058/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,385
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,268
−HK$897/mo
Today · 4.125%
HK$30,165
baseline
▲ 0.50% · 4.625%
HK$32,001
+HK$1,836/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,330/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,578
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,425
−HK$859/mo
Today · 4.125%
HK$33,284
baseline
▲ 0.50% · 4.625%
HK$35,039
+HK$1,755/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,568/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,495
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,630
−HK$1,154/mo
Today · 4.125%
HK$38,784
baseline
▲ 0.50% · 4.625%
HK$41,144
+HK$2,360/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,568/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,600
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,689
−HK$1,105/mo
Today · 4.125%
HK$42,794
baseline
▲ 0.50% · 4.625%
HK$45,050
+HK$2,256/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,588/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,748 · 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).