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$20,270
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,901
−HK$641/mo
Today · 4.125%
HK$21,542
baseline
▲ 0.50% · 4.625%
HK$22,852
+HK$1,310/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,084/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,551
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,156
−HK$613/mo
Today · 4.125%
HK$23,769
baseline
▲ 0.50% · 4.625%
HK$25,022
+HK$1,253/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,538/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,325
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,081
−HK$769/mo
Today · 4.125%
HK$25,850
baseline
▲ 0.50% · 4.625%
HK$27,423
+HK$1,573/mo
Deposit HK$3.56M · loan HK$5.33M · min. income ≈ HK$51,700/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,061
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,787
−HK$736/mo
Today · 4.125%
HK$28,523
baseline
▲ 0.50% · 4.625%
HK$30,026
+HK$1,503/mo
Deposit HK$3.56M · loan HK$5.33M · min. income ≈ HK$57,046/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,379
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,261
−HK$897/mo
Today · 4.125%
HK$30,158
baseline
▲ 0.50% · 4.625%
HK$31,993
+HK$1,835/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,316/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,571
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,418
−HK$859/mo
Today · 4.125%
HK$33,277
baseline
▲ 0.50% · 4.625%
HK$35,031
+HK$1,754/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,554/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,487
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,622
−HK$1,153/mo
Today · 4.125%
HK$38,775
baseline
▲ 0.50% · 4.625%
HK$41,134
+HK$2,359/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,550/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,591
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,680
−HK$1,104/mo
Today · 4.125%
HK$42,784
baseline
▲ 0.50% · 4.625%
HK$45,040
+HK$2,256/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,568/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,687 · 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).