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$20,273
−HK$1,271/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$266,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,553
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,158
−HK$614/mo
Today · 4.125%
HK$23,772
baseline
▲ 0.50% · 4.625%
HK$25,025
+HK$1,253/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,544/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,327
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,084
−HK$769/mo
Today · 4.125%
HK$25,853
baseline
▲ 0.50% · 4.625%
HK$27,426
+HK$1,573/mo
Deposit HK$3.56M · loan HK$5.33M · min. income ≈ HK$51,706/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,064
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,790
−HK$736/mo
Today · 4.125%
HK$28,526
baseline
▲ 0.50% · 4.625%
HK$30,030
+HK$1,504/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$266,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,382
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,265
−HK$896/mo
Today · 4.125%
HK$30,161
baseline
▲ 0.50% · 4.625%
HK$31,997
+HK$1,836/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$266,716 · 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$266,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,491
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,626
−HK$1,153/mo
Today · 4.125%
HK$38,779
baseline
▲ 0.50% · 4.625%
HK$41,139
+HK$2,360/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$266,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,596
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,684
−HK$1,105/mo
Today · 4.125%
HK$42,789
baseline
▲ 0.50% · 4.625%
HK$45,044
+HK$2,255/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,578/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,716 · 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).