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$20,262
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,892
−HK$640/mo
Today · 4.125%
HK$21,532
baseline
▲ 0.50% · 4.625%
HK$22,842
+HK$1,310/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,064/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,541
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,145
−HK$614/mo
Today · 4.125%
HK$23,759
baseline
▲ 0.50% · 4.625%
HK$25,011
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,518/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,314
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,070
−HK$769/mo
Today · 4.125%
HK$25,839
baseline
▲ 0.50% · 4.625%
HK$27,411
+HK$1,572/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,678/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,049
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,775
−HK$736/mo
Today · 4.125%
HK$28,511
baseline
▲ 0.50% · 4.625%
HK$30,013
+HK$1,502/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$57,022/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,366
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,249
−HK$896/mo
Today · 4.125%
HK$30,145
baseline
▲ 0.50% · 4.625%
HK$31,979
+HK$1,834/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,290/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,557
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,404
−HK$858/mo
Today · 4.125%
HK$33,262
baseline
▲ 0.50% · 4.625%
HK$35,016
+HK$1,754/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,524/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,471
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,606
−HK$1,152/mo
Today · 4.125%
HK$38,758
baseline
▲ 0.50% · 4.625%
HK$41,116
+HK$2,358/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,516/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,574
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,662
−HK$1,104/mo
Today · 4.125%
HK$42,766
baseline
▲ 0.50% · 4.625%
HK$45,020
+HK$2,254/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,532/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,572 · 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).