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$266,773 · 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$25,030
+HK$1,253/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$266,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,332
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,089
−HK$769/mo
Today · 4.125%
HK$25,858
baseline
▲ 0.50% · 4.625%
HK$27,432
+HK$1,574/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,716/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,070
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,796
−HK$736/mo
Today · 4.125%
HK$28,532
baseline
▲ 0.50% · 4.625%
HK$30,036
+HK$1,504/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,064/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,388
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,271
−HK$897/mo
Today · 4.125%
HK$30,168
baseline
▲ 0.50% · 4.625%
HK$32,004
+HK$1,836/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,336/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,581
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,428
−HK$859/mo
Today · 4.125%
HK$33,287
baseline
▲ 0.50% · 4.625%
HK$35,042
+HK$1,755/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,574/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,499
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,634
−HK$1,153/mo
Today · 4.125%
HK$38,787
baseline
▲ 0.50% · 4.625%
HK$41,148
+HK$2,361/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,574/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,604
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,693
−HK$1,105/mo
Today · 4.125%
HK$42,798
baseline
▲ 0.50% · 4.625%
HK$45,054
+HK$2,256/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,596/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,773 · 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).