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$20,277
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,908
−HK$641/mo
Today · 4.125%
HK$21,549
baseline
▲ 0.50% · 4.625%
HK$22,860
+HK$1,311/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,098/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,558
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,163
−HK$614/mo
Today · 4.125%
HK$23,777
baseline
▲ 0.50% · 4.625%
HK$25,031
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,554/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,333
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,090
−HK$769/mo
Today · 4.125%
HK$25,859
baseline
▲ 0.50% · 4.625%
HK$27,432
+HK$1,573/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,718/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,070
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,796
−HK$737/mo
Today · 4.125%
HK$28,533
baseline
▲ 0.50% · 4.625%
HK$30,037
+HK$1,504/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,066/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,388
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,271
−HK$898/mo
Today · 4.125%
HK$30,169
baseline
▲ 0.50% · 4.625%
HK$32,004
+HK$1,835/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,338/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,582
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,429
−HK$859/mo
Today · 4.125%
HK$33,288
baseline
▲ 0.50% · 4.625%
HK$35,043
+HK$1,755/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,576/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,499
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,635
−HK$1,153/mo
Today · 4.125%
HK$38,788
baseline
▲ 0.50% · 4.625%
HK$41,148
+HK$2,360/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,576/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,605
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,694
−HK$1,105/mo
Today · 4.125%
HK$42,799
baseline
▲ 0.50% · 4.625%
HK$45,055
+HK$2,256/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,598/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,779 · 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).