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$20,270
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,901
−HK$640/mo
Today · 4.125%
HK$21,541
baseline
▲ 0.50% · 4.625%
HK$22,852
+HK$1,311/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,082/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,550
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,155
−HK$614/mo
Today · 4.125%
HK$23,769
baseline
▲ 0.50% · 4.625%
HK$25,021
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,538/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,324
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,081
−HK$768/mo
Today · 4.125%
HK$25,849
baseline
▲ 0.50% · 4.625%
HK$27,422
+HK$1,573/mo
Deposit HK$3.56M · loan HK$5.33M · min. income ≈ HK$51,698/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,060
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,786
−HK$736/mo
Today · 4.125%
HK$28,522
baseline
▲ 0.50% · 4.625%
HK$30,026
+HK$1,504/mo
Deposit HK$3.56M · loan HK$5.33M · min. income ≈ HK$57,044/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,378
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,261
−HK$897/mo
Today · 4.125%
HK$30,158
baseline
▲ 0.50% · 4.625%
HK$31,993
+HK$1,835/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,316/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,570
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,417
−HK$859/mo
Today · 4.125%
HK$33,276
baseline
▲ 0.50% · 4.625%
HK$35,030
+HK$1,754/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,552/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,486
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,621
−HK$1,153/mo
Today · 4.125%
HK$38,774
baseline
▲ 0.50% · 4.625%
HK$41,133
+HK$2,359/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,548/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,590
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,679
−HK$1,104/mo
Today · 4.125%
HK$42,783
baseline
▲ 0.50% · 4.625%
HK$45,039
+HK$2,256/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,566/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,682 · 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).