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$20,904
−HK$640/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$266,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,554
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,159
−HK$613/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$266,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,328
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,085
−HK$768/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$266,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,064
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,790
−HK$737/mo
Today · 4.125%
HK$28,527
baseline
▲ 0.50% · 4.625%
HK$30,030
+HK$1,503/mo
Deposit HK$3.56M · loan HK$5.33M · min. income ≈ HK$57,054/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,382
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,265
−HK$897/mo
Today · 4.125%
HK$30,162
baseline
▲ 0.50% · 4.625%
HK$31,998
+HK$1,836/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,324/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,575
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,422
−HK$859/mo
Today · 4.125%
HK$33,281
baseline
▲ 0.50% · 4.625%
HK$35,035
+HK$1,754/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,562/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,492
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,627
−HK$1,153/mo
Today · 4.125%
HK$38,780
baseline
▲ 0.50% · 4.625%
HK$41,140
+HK$2,360/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,560/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,597
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,685
−HK$1,105/mo
Today · 4.125%
HK$42,790
baseline
▲ 0.50% · 4.625%
HK$45,045
+HK$2,255/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,580/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,723 · 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).