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$20,274
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,905
−HK$641/mo
Today · 4.125%
HK$21,546
baseline
▲ 0.50% · 4.625%
HK$22,857
+HK$1,311/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,092/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,555
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,160
−HK$614/mo
Today · 4.125%
HK$23,774
baseline
▲ 0.50% · 4.625%
HK$25,027
+HK$1,253/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,548/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,329
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,086
−HK$769/mo
Today · 4.125%
HK$25,855
baseline
▲ 0.50% · 4.625%
HK$27,428
+HK$1,573/mo
Deposit HK$3.56M · loan HK$5.33M · min. income ≈ HK$51,710/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,066
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,792
−HK$736/mo
Today · 4.125%
HK$28,528
baseline
▲ 0.50% · 4.625%
HK$30,032
+HK$1,504/mo
Deposit HK$3.56M · loan HK$5.33M · min. income ≈ HK$57,056/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,384
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,267
−HK$897/mo
Today · 4.125%
HK$30,164
baseline
▲ 0.50% · 4.625%
HK$32,000
+HK$1,836/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,328/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,577
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,424
−HK$859/mo
Today · 4.125%
HK$33,283
baseline
▲ 0.50% · 4.625%
HK$35,038
+HK$1,755/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,566/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,494
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,629
−HK$1,153/mo
Today · 4.125%
HK$38,782
baseline
▲ 0.50% · 4.625%
HK$41,142
+HK$2,360/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,564/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,599
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,688
−HK$1,105/mo
Today · 4.125%
HK$42,793
baseline
▲ 0.50% · 4.625%
HK$45,048
+HK$2,255/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,586/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,739 · 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).