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$20,272
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,903
−HK$641/mo
Today · 4.125%
HK$21,544
baseline
▲ 0.50% · 4.625%
HK$22,855
+HK$1,311/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,088/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,553
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,158
−HK$613/mo
Today · 4.125%
HK$23,771
baseline
▲ 0.50% · 4.625%
HK$25,024
+HK$1,253/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,542/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,327
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,084
−HK$768/mo
Today · 4.125%
HK$25,852
baseline
▲ 0.50% · 4.625%
HK$27,425
+HK$1,573/mo
Deposit HK$3.56M · loan HK$5.33M · min. income ≈ HK$51,704/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,063
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,789
−HK$737/mo
Today · 4.125%
HK$28,526
baseline
▲ 0.50% · 4.625%
HK$30,029
+HK$1,503/mo
Deposit HK$3.56M · loan HK$5.33M · min. income ≈ HK$57,052/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,381
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,264
−HK$897/mo
Today · 4.125%
HK$30,161
baseline
▲ 0.50% · 4.625%
HK$31,996
+HK$1,835/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,322/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,574
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,421
−HK$859/mo
Today · 4.125%
HK$33,280
baseline
▲ 0.50% · 4.625%
HK$35,034
+HK$1,754/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,560/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,490
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,625
−HK$1,154/mo
Today · 4.125%
HK$38,779
baseline
▲ 0.50% · 4.625%
HK$41,138
+HK$2,359/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,558/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,595
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,684
−HK$1,104/mo
Today · 4.125%
HK$42,788
baseline
▲ 0.50% · 4.625%
HK$45,044
+HK$2,256/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,576/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,712 · 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).