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$20,265
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,895
−HK$641/mo
Today · 4.125%
HK$21,536
baseline
▲ 0.50% · 4.625%
HK$22,846
+HK$1,310/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,072/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,545
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,149
−HK$614/mo
Today · 4.125%
HK$23,763
baseline
▲ 0.50% · 4.625%
HK$25,015
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,526/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,318
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,075
−HK$768/mo
Today · 4.125%
HK$25,843
baseline
▲ 0.50% · 4.625%
HK$27,416
+HK$1,573/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,686/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,054
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,779
−HK$736/mo
Today · 4.125%
HK$28,515
baseline
▲ 0.50% · 4.625%
HK$30,018
+HK$1,503/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$57,030/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,371
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,254
−HK$896/mo
Today · 4.125%
HK$30,150
baseline
▲ 0.50% · 4.625%
HK$31,985
+HK$1,835/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,300/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,563
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,409
−HK$859/mo
Today · 4.125%
HK$33,268
baseline
▲ 0.50% · 4.625%
HK$35,021
+HK$1,753/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,536/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,477
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,612
−HK$1,153/mo
Today · 4.125%
HK$38,765
baseline
▲ 0.50% · 4.625%
HK$41,123
+HK$2,358/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,530/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,580
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,669
−HK$1,104/mo
Today · 4.125%
HK$42,773
baseline
▲ 0.50% · 4.625%
HK$45,028
+HK$2,255/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,546/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,616 · 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).