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$1,272/mo
▼ 0.25% · 3.875%
HK$20,911
−HK$641/mo
Today · 4.125%
HK$21,552
baseline
▲ 0.50% · 4.625%
HK$22,863
+HK$1,311/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,104/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,814 · 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$25,034
+HK$1,254/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$266,814 · 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$27,436
+HK$1,574/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$266,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,074
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,800
−HK$736/mo
Today · 4.125%
HK$28,536
baseline
▲ 0.50% · 4.625%
HK$30,041
+HK$1,505/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$266,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,392
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,275
−HK$898/mo
Today · 4.125%
HK$30,173
baseline
▲ 0.50% · 4.625%
HK$32,009
+HK$1,836/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,346/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,586
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,433
−HK$859/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$266,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,504
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,640
−HK$1,153/mo
Today · 4.125%
HK$38,793
baseline
▲ 0.50% · 4.625%
HK$41,154
+HK$2,361/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,586/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,611
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,700
−HK$1,105/mo
Today · 4.125%
HK$42,805
baseline
▲ 0.50% · 4.625%
HK$45,061
+HK$2,256/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,610/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,814 · 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).