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$20,280
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,910
−HK$641/mo
Today · 4.125%
HK$21,551
baseline
▲ 0.50% · 4.625%
HK$22,863
+HK$1,312/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,102/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,561
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,166
−HK$614/mo
Today · 4.125%
HK$23,780
baseline
▲ 0.50% · 4.625%
HK$25,033
+HK$1,253/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,560/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,336
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,093
−HK$769/mo
Today · 4.125%
HK$25,862
baseline
▲ 0.50% · 4.625%
HK$27,435
+HK$1,573/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,724/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,073
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,799
−HK$737/mo
Today · 4.125%
HK$28,536
baseline
▲ 0.50% · 4.625%
HK$30,040
+HK$1,504/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,072/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,392
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,275
−HK$897/mo
Today · 4.125%
HK$30,172
baseline
▲ 0.50% · 4.625%
HK$32,008
+HK$1,836/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,344/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,585
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,432
−HK$860/mo
Today · 4.125%
HK$33,292
baseline
▲ 0.50% · 4.625%
HK$35,047
+HK$1,755/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,584/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,503
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,639
−HK$1,153/mo
Today · 4.125%
HK$38,792
baseline
▲ 0.50% · 4.625%
HK$41,153
+HK$2,361/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,584/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,610
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,699
−HK$1,105/mo
Today · 4.125%
HK$42,804
baseline
▲ 0.50% · 4.625%
HK$45,060
+HK$2,256/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,608/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,808 · 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).