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$20,268
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,899
−HK$640/mo
Today · 4.125%
HK$21,539
baseline
▲ 0.50% · 4.625%
HK$22,850
+HK$1,311/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,078/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,548
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,153
−HK$614/mo
Today · 4.125%
HK$23,767
baseline
▲ 0.50% · 4.625%
HK$25,019
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,534/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,322
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,079
−HK$768/mo
Today · 4.125%
HK$25,847
baseline
▲ 0.50% · 4.625%
HK$27,420
+HK$1,573/mo
Deposit HK$3.56M · loan HK$5.33M · min. income ≈ HK$51,694/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,058
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,784
−HK$736/mo
Today · 4.125%
HK$28,520
baseline
▲ 0.50% · 4.625%
HK$30,023
+HK$1,503/mo
Deposit HK$3.56M · loan HK$5.33M · min. income ≈ HK$57,040/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,376
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,258
−HK$897/mo
Today · 4.125%
HK$30,155
baseline
▲ 0.50% · 4.625%
HK$31,990
+HK$1,835/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,310/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,568
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,414
−HK$859/mo
Today · 4.125%
HK$33,273
baseline
▲ 0.50% · 4.625%
HK$35,027
+HK$1,754/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,546/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,483
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,618
−HK$1,153/mo
Today · 4.125%
HK$38,771
baseline
▲ 0.50% · 4.625%
HK$41,130
+HK$2,359/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,542/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,587
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,676
−HK$1,104/mo
Today · 4.125%
HK$42,780
baseline
▲ 0.50% · 4.625%
HK$45,035
+HK$2,255/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,560/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,661 · 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).