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$20,267
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,898
−HK$640/mo
Today · 4.125%
HK$21,538
baseline
▲ 0.50% · 4.625%
HK$22,849
+HK$1,311/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,076/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,547
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,152
−HK$613/mo
Today · 4.125%
HK$23,765
baseline
▲ 0.50% · 4.625%
HK$25,018
+HK$1,253/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,530/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,321
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,077
−HK$769/mo
Today · 4.125%
HK$25,846
baseline
▲ 0.50% · 4.625%
HK$27,419
+HK$1,573/mo
Deposit HK$3.56M · loan HK$5.33M · min. income ≈ HK$51,692/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,057
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,782
−HK$736/mo
Today · 4.125%
HK$28,518
baseline
▲ 0.50% · 4.625%
HK$30,022
+HK$1,504/mo
Deposit HK$3.56M · loan HK$5.33M · min. income ≈ HK$57,036/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,374
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,257
−HK$897/mo
Today · 4.125%
HK$30,154
baseline
▲ 0.50% · 4.625%
HK$31,988
+HK$1,834/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,308/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,566
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,413
−HK$858/mo
Today · 4.125%
HK$33,271
baseline
▲ 0.50% · 4.625%
HK$35,025
+HK$1,754/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,542/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,481
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,616
−HK$1,153/mo
Today · 4.125%
HK$38,769
baseline
▲ 0.50% · 4.625%
HK$41,128
+HK$2,359/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,538/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,585
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,673
−HK$1,105/mo
Today · 4.125%
HK$42,778
baseline
▲ 0.50% · 4.625%
HK$45,032
+HK$2,254/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,556/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,646 · 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).