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$20,266
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,896
−HK$641/mo
Today · 4.125%
HK$21,537
baseline
▲ 0.50% · 4.625%
HK$22,847
+HK$1,310/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,074/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,545
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,150
−HK$614/mo
Today · 4.125%
HK$23,764
baseline
▲ 0.50% · 4.625%
HK$25,016
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,528/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,319
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,075
−HK$769/mo
Today · 4.125%
HK$25,844
baseline
▲ 0.50% · 4.625%
HK$27,416
+HK$1,572/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,688/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,055
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,780
−HK$736/mo
Today · 4.125%
HK$28,516
baseline
▲ 0.50% · 4.625%
HK$30,019
+HK$1,503/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$57,032/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,372
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,255
−HK$896/mo
Today · 4.125%
HK$30,151
baseline
▲ 0.50% · 4.625%
HK$31,986
+HK$1,835/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,302/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,564
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,410
−HK$859/mo
Today · 4.125%
HK$33,269
baseline
▲ 0.50% · 4.625%
HK$35,023
+HK$1,754/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,538/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,478
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,613
−HK$1,153/mo
Today · 4.125%
HK$38,766
baseline
▲ 0.50% · 4.625%
HK$41,125
+HK$2,359/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,532/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,582
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,670
−HK$1,104/mo
Today · 4.125%
HK$42,774
baseline
▲ 0.50% · 4.625%
HK$45,029
+HK$2,255/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,548/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,625 · 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).