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$20,263
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,893
−HK$640/mo
Today · 4.125%
HK$21,533
baseline
▲ 0.50% · 4.625%
HK$22,844
+HK$1,311/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,066/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,542
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,147
−HK$613/mo
Today · 4.125%
HK$23,760
baseline
▲ 0.50% · 4.625%
HK$25,012
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,520/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,315
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,072
−HK$768/mo
Today · 4.125%
HK$25,840
baseline
▲ 0.50% · 4.625%
HK$27,412
+HK$1,572/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,680/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,051
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,776
−HK$736/mo
Today · 4.125%
HK$28,512
baseline
▲ 0.50% · 4.625%
HK$30,015
+HK$1,503/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$57,024/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,368
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,250
−HK$897/mo
Today · 4.125%
HK$30,147
baseline
▲ 0.50% · 4.625%
HK$31,981
+HK$1,834/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,294/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,559
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,405
−HK$859/mo
Today · 4.125%
HK$33,264
baseline
▲ 0.50% · 4.625%
HK$35,017
+HK$1,753/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,528/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,473
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,608
−HK$1,152/mo
Today · 4.125%
HK$38,760
baseline
▲ 0.50% · 4.625%
HK$41,119
+HK$2,359/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,520/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,576
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,664
−HK$1,104/mo
Today · 4.125%
HK$42,768
baseline
▲ 0.50% · 4.625%
HK$45,022
+HK$2,254/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,536/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,586 · 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).