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$1,272/mo
▼ 0.25% · 3.875%
HK$20,906
−HK$641/mo
Today · 4.125%
HK$21,547
baseline
▲ 0.50% · 4.625%
HK$22,858
+HK$1,311/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,094/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,556
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,161
−HK$614/mo
Today · 4.125%
HK$23,775
baseline
▲ 0.50% · 4.625%
HK$25,028
+HK$1,253/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,550/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,331
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,087
−HK$769/mo
Today · 4.125%
HK$25,856
baseline
▲ 0.50% · 4.625%
HK$27,430
+HK$1,574/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,712/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,068
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,793
−HK$737/mo
Today · 4.125%
HK$28,530
baseline
▲ 0.50% · 4.625%
HK$30,034
+HK$1,504/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,060/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,386
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,269
−HK$897/mo
Today · 4.125%
HK$30,166
baseline
▲ 0.50% · 4.625%
HK$32,001
+HK$1,835/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,332/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,579
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,426
−HK$859/mo
Today · 4.125%
HK$33,285
baseline
▲ 0.50% · 4.625%
HK$35,039
+HK$1,754/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,570/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,496
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,631
−HK$1,153/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$266,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,601
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,690
−HK$1,105/mo
Today · 4.125%
HK$42,795
baseline
▲ 0.50% · 4.625%
HK$45,051
+HK$2,256/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,590/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,753 · 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).