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$20,260
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,890
−HK$640/mo
Today · 4.125%
HK$21,530
baseline
▲ 0.50% · 4.625%
HK$22,840
+HK$1,310/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,060/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,539
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,143
−HK$614/mo
Today · 4.125%
HK$23,757
baseline
▲ 0.50% · 4.625%
HK$25,009
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,514/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,312
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,068
−HK$768/mo
Today · 4.125%
HK$25,836
baseline
▲ 0.50% · 4.625%
HK$27,408
+HK$1,572/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,672/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,047
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,772
−HK$736/mo
Today · 4.125%
HK$28,508
baseline
▲ 0.50% · 4.625%
HK$30,011
+HK$1,503/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$57,016/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,364
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,246
−HK$896/mo
Today · 4.125%
HK$30,142
baseline
▲ 0.50% · 4.625%
HK$31,976
+HK$1,834/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,284/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,554
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,401
−HK$858/mo
Today · 4.125%
HK$33,259
baseline
▲ 0.50% · 4.625%
HK$35,012
+HK$1,753/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,518/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,468
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,602
−HK$1,152/mo
Today · 4.125%
HK$38,754
baseline
▲ 0.50% · 4.625%
HK$41,113
+HK$2,359/mo
Deposit HK$888K · loan HK$8.00M · min. income ≈ HK$77,508/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,570
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,658
−HK$1,104/mo
Today · 4.125%
HK$42,762
baseline
▲ 0.50% · 4.625%
HK$45,016
+HK$2,254/mo
Deposit HK$888K · loan HK$8.00M · min. income ≈ HK$85,524/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,547 · 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).