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$1,271/mo
▼ 0.25% · 3.875%
HK$20,893
−HK$641/mo
Today · 4.125%
HK$21,534
baseline
▲ 0.50% · 4.625%
HK$22,844
+HK$1,310/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,068/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,588 · 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$25,013
+HK$1,253/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$266,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,316
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,072
−HK$768/mo
Today · 4.125%
HK$25,840
baseline
▲ 0.50% · 4.625%
HK$27,413
+HK$1,573/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$266,588 · 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$266,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,368
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,251
−HK$896/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$266,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,559
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,406
−HK$858/mo
Today · 4.125%
HK$33,264
baseline
▲ 0.50% · 4.625%
HK$35,018
+HK$1,754/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$266,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,473
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,608
−HK$1,153/mo
Today · 4.125%
HK$38,761
baseline
▲ 0.50% · 4.625%
HK$41,119
+HK$2,358/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,522/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,588 · 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$45,023
+HK$2,255/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$266,588 · 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).