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$1,271/mo
▼ 0.25% · 3.875%
HK$20,893
−HK$640/mo
Today · 4.125%
HK$21,533
baseline
▲ 0.50% · 4.625%
HK$22,843
+HK$1,310/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,066/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,542
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,146
−HK$613/mo
Today · 4.125%
HK$23,759
baseline
▲ 0.50% · 4.625%
HK$25,012
+HK$1,253/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$266,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,315
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,071
−HK$769/mo
Today · 4.125%
HK$25,840
baseline
▲ 0.50% · 4.625%
HK$27,412
+HK$1,572/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,680/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,050
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,775
−HK$736/mo
Today · 4.125%
HK$28,511
baseline
▲ 0.50% · 4.625%
HK$30,014
+HK$1,503/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$266,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,367
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,250
−HK$896/mo
Today · 4.125%
HK$30,146
baseline
▲ 0.50% · 4.625%
HK$31,980
+HK$1,834/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,292/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,558
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,405
−HK$858/mo
Today · 4.125%
HK$33,263
baseline
▲ 0.50% · 4.625%
HK$35,017
+HK$1,754/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,526/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,472
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,607
−HK$1,152/mo
Today · 4.125%
HK$38,759
baseline
▲ 0.50% · 4.625%
HK$41,118
+HK$2,359/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,518/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,575
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,663
−HK$1,104/mo
Today · 4.125%
HK$42,767
baseline
▲ 0.50% · 4.625%
HK$45,021
+HK$2,254/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,534/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,580 · 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).