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$20,900
−HK$641/mo
Today · 4.125%
HK$21,541
baseline
▲ 0.50% · 4.625%
HK$22,851
+HK$1,310/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$266,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,550
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,154
−HK$614/mo
Today · 4.125%
HK$23,768
baseline
▲ 0.50% · 4.625%
HK$25,021
+HK$1,253/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,536/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,323
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,080
−HK$769/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$266,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,060
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,785
−HK$737/mo
Today · 4.125%
HK$28,522
baseline
▲ 0.50% · 4.625%
HK$30,025
+HK$1,503/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$266,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,377
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,260
−HK$897/mo
Today · 4.125%
HK$30,157
baseline
▲ 0.50% · 4.625%
HK$31,992
+HK$1,835/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,314/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,570
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,416
−HK$859/mo
Today · 4.125%
HK$33,275
baseline
▲ 0.50% · 4.625%
HK$35,029
+HK$1,754/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,550/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,485
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,620
−HK$1,153/mo
Today · 4.125%
HK$38,773
baseline
▲ 0.50% · 4.625%
HK$41,132
+HK$2,359/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,546/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,589
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,678
−HK$1,104/mo
Today · 4.125%
HK$42,782
baseline
▲ 0.50% · 4.625%
HK$45,037
+HK$2,255/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,564/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,675 · 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).