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$20,276
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,907
−HK$641/mo
Today · 4.125%
HK$21,548
baseline
▲ 0.50% · 4.625%
HK$22,859
+HK$1,311/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,096/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,557
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,162
−HK$614/mo
Today · 4.125%
HK$23,776
baseline
▲ 0.50% · 4.625%
HK$25,029
+HK$1,253/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,552/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,332
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,088
−HK$769/mo
Today · 4.125%
HK$25,857
baseline
▲ 0.50% · 4.625%
HK$27,431
+HK$1,574/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,714/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,069
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,795
−HK$736/mo
Today · 4.125%
HK$28,531
baseline
▲ 0.50% · 4.625%
HK$30,035
+HK$1,504/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,062/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,387
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,270
−HK$897/mo
Today · 4.125%
HK$30,167
baseline
▲ 0.50% · 4.625%
HK$32,002
+HK$1,835/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,334/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,580
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,427
−HK$859/mo
Today · 4.125%
HK$33,286
baseline
▲ 0.50% · 4.625%
HK$35,041
+HK$1,755/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,572/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,497
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,633
−HK$1,153/mo
Today · 4.125%
HK$38,786
baseline
▲ 0.50% · 4.625%
HK$41,146
+HK$2,360/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,572/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,603
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,692
−HK$1,104/mo
Today · 4.125%
HK$42,796
baseline
▲ 0.50% · 4.625%
HK$45,052
+HK$2,256/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,592/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,763 · 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).