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$19,401
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,004
−HK$614/mo
Today · 4.125%
HK$20,618
baseline
▲ 0.50% · 4.625%
HK$21,872
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,236/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,583
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,162
−HK$587/mo
Today · 4.125%
HK$22,749
baseline
▲ 0.50% · 4.625%
HK$23,949
+HK$1,200/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,498/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,281
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,005
−HK$736/mo
Today · 4.125%
HK$24,741
baseline
▲ 0.50% · 4.625%
HK$26,246
+HK$1,505/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,482/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,900
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,595
−HK$704/mo
Today · 4.125%
HK$27,299
baseline
▲ 0.50% · 4.625%
HK$28,738
+HK$1,439/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,598/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,161
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,006
−HK$859/mo
Today · 4.125%
HK$28,865
baseline
▲ 0.50% · 4.625%
HK$30,621
+HK$1,756/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,730/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,217
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,027
−HK$822/mo
Today · 4.125%
HK$31,849
baseline
▲ 0.50% · 4.625%
HK$33,528
+HK$1,679/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,698/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,922
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,008
−HK$1,104/mo
Today · 4.125%
HK$37,112
baseline
▲ 0.50% · 4.625%
HK$39,370
+HK$2,258/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,224/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,850
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,892
−HK$1,057/mo
Today · 4.125%
HK$40,949
baseline
▲ 0.50% · 4.625%
HK$43,107
+HK$2,158/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,898/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,247 · 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).