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$20,261
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,891
−HK$640/mo
Today · 4.125%
HK$21,531
baseline
▲ 0.50% · 4.625%
HK$22,841
+HK$1,310/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,062/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,540
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,144
−HK$614/mo
Today · 4.125%
HK$23,758
baseline
▲ 0.50% · 4.625%
HK$25,010
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,516/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,313
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,069
−HK$768/mo
Today · 4.125%
HK$25,837
baseline
▲ 0.50% · 4.625%
HK$27,410
+HK$1,573/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,674/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,048
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,773
−HK$736/mo
Today · 4.125%
HK$28,509
baseline
▲ 0.50% · 4.625%
HK$30,012
+HK$1,503/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$57,018/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,365
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,247
−HK$897/mo
Today · 4.125%
HK$30,144
baseline
▲ 0.50% · 4.625%
HK$31,978
+HK$1,834/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,288/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,556
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,402
−HK$859/mo
Today · 4.125%
HK$33,261
baseline
▲ 0.50% · 4.625%
HK$35,014
+HK$1,753/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,522/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,469
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,604
−HK$1,152/mo
Today · 4.125%
HK$38,756
baseline
▲ 0.50% · 4.625%
HK$41,114
+HK$2,358/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,512/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,572
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,660
−HK$1,104/mo
Today · 4.125%
HK$42,764
baseline
▲ 0.50% · 4.625%
HK$45,018
+HK$2,254/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,528/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,559 · 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).