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$20,259
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,889
−HK$640/mo
Today · 4.125%
HK$21,529
baseline
▲ 0.50% · 4.625%
HK$22,839
+HK$1,310/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,058/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,538
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,142
−HK$613/mo
Today · 4.125%
HK$23,755
baseline
▲ 0.50% · 4.625%
HK$25,008
+HK$1,253/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,510/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,311
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,067
−HK$768/mo
Today · 4.125%
HK$25,835
baseline
▲ 0.50% · 4.625%
HK$27,407
+HK$1,572/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,670/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,045
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,771
−HK$736/mo
Today · 4.125%
HK$28,507
baseline
▲ 0.50% · 4.625%
HK$30,009
+HK$1,502/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$57,014/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,362
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,245
−HK$896/mo
Today · 4.125%
HK$30,141
baseline
▲ 0.50% · 4.625%
HK$31,975
+HK$1,834/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,282/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,553
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,399
−HK$859/mo
Today · 4.125%
HK$33,258
baseline
▲ 0.50% · 4.625%
HK$35,011
+HK$1,753/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,516/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,466
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,600
−HK$1,153/mo
Today · 4.125%
HK$38,753
baseline
▲ 0.50% · 4.625%
HK$41,111
+HK$2,358/mo
Deposit HK$888K · loan HK$8.00M · min. income ≈ HK$77,506/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,568
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,656
−HK$1,104/mo
Today · 4.125%
HK$42,760
baseline
▲ 0.50% · 4.625%
HK$45,014
+HK$2,254/mo
Deposit HK$888K · loan HK$8.00M · min. income ≈ HK$85,520/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,535 · 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).