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$20,281
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,912
−HK$641/mo
Today · 4.125%
HK$21,553
baseline
▲ 0.50% · 4.625%
HK$22,864
+HK$1,311/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,106/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,562
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,168
−HK$613/mo
Today · 4.125%
HK$23,781
baseline
▲ 0.50% · 4.625%
HK$25,035
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,562/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,337
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,094
−HK$769/mo
Today · 4.125%
HK$25,863
baseline
▲ 0.50% · 4.625%
HK$27,437
+HK$1,574/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,726/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,075
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,801
−HK$737/mo
Today · 4.125%
HK$28,538
baseline
▲ 0.50% · 4.625%
HK$30,042
+HK$1,504/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,076/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,393
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,277
−HK$897/mo
Today · 4.125%
HK$30,174
baseline
▲ 0.50% · 4.625%
HK$32,010
+HK$1,836/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,348/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,587
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,435
−HK$859/mo
Today · 4.125%
HK$33,294
baseline
▲ 0.50% · 4.625%
HK$35,049
+HK$1,755/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,588/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,506
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,641
−HK$1,154/mo
Today · 4.125%
HK$38,795
baseline
▲ 0.50% · 4.625%
HK$41,156
+HK$2,361/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,590/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,612
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,702
−HK$1,105/mo
Today · 4.125%
HK$42,807
baseline
▲ 0.50% · 4.625%
HK$45,063
+HK$2,256/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,614/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,827 · 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).