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$20,258
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,888
−HK$640/mo
Today · 4.125%
HK$21,528
baseline
▲ 0.50% · 4.625%
HK$22,838
+HK$1,310/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,056/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,536
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,141
−HK$613/mo
Today · 4.125%
HK$23,754
baseline
▲ 0.50% · 4.625%
HK$25,006
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,508/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,309
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,065
−HK$769/mo
Today · 4.125%
HK$25,834
baseline
▲ 0.50% · 4.625%
HK$27,405
+HK$1,571/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,668/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,044
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,769
−HK$736/mo
Today · 4.125%
HK$28,505
baseline
▲ 0.50% · 4.625%
HK$30,007
+HK$1,502/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$57,010/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,361
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,243
−HK$896/mo
Today · 4.125%
HK$30,139
baseline
▲ 0.50% · 4.625%
HK$31,973
+HK$1,834/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,278/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,551
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,397
−HK$859/mo
Today · 4.125%
HK$33,256
baseline
▲ 0.50% · 4.625%
HK$35,009
+HK$1,753/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,512/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,464
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,598
−HK$1,152/mo
Today · 4.125%
HK$38,750
baseline
▲ 0.50% · 4.625%
HK$41,108
+HK$2,358/mo
Deposit HK$888K · loan HK$8.00M · min. income ≈ HK$77,500/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,566
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,653
−HK$1,104/mo
Today · 4.125%
HK$42,757
baseline
▲ 0.50% · 4.625%
HK$45,011
+HK$2,254/mo
Deposit HK$888K · loan HK$8.00M · min. income ≈ HK$85,514/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,518 · 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).