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$20,269
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,900
−HK$640/mo
Today · 4.125%
HK$21,540
baseline
▲ 0.50% · 4.625%
HK$22,851
+HK$1,311/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,080/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,549
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,154
−HK$613/mo
Today · 4.125%
HK$23,767
baseline
▲ 0.50% · 4.625%
HK$25,020
+HK$1,253/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,534/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,323
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,080
−HK$768/mo
Today · 4.125%
HK$25,848
baseline
▲ 0.50% · 4.625%
HK$27,421
+HK$1,573/mo
Deposit HK$3.56M · loan HK$5.33M · min. income ≈ HK$51,696/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,059
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,785
−HK$736/mo
Today · 4.125%
HK$28,521
baseline
▲ 0.50% · 4.625%
HK$30,024
+HK$1,503/mo
Deposit HK$3.56M · loan HK$5.33M · min. income ≈ HK$57,042/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,377
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,259
−HK$897/mo
Today · 4.125%
HK$30,156
baseline
▲ 0.50% · 4.625%
HK$31,991
+HK$1,835/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,312/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,569
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,416
−HK$858/mo
Today · 4.125%
HK$33,274
baseline
▲ 0.50% · 4.625%
HK$35,028
+HK$1,754/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,548/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,484
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,619
−HK$1,153/mo
Today · 4.125%
HK$38,772
baseline
▲ 0.50% · 4.625%
HK$41,132
+HK$2,360/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,544/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,589
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,677
−HK$1,104/mo
Today · 4.125%
HK$42,781
baseline
▲ 0.50% · 4.625%
HK$45,037
+HK$2,256/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,562/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,670 · 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).