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$19,361
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,963
−HK$612/mo
Today · 4.125%
HK$20,575
baseline
▲ 0.50% · 4.625%
HK$21,826
+HK$1,251/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,150/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,538
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,116
−HK$586/mo
Today · 4.125%
HK$22,702
baseline
▲ 0.50% · 4.625%
HK$23,899
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,404/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,233
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,955
−HK$734/mo
Today · 4.125%
HK$24,689
baseline
▲ 0.50% · 4.625%
HK$26,192
+HK$1,503/mo
Deposit HK$3.40M · loan HK$5.09M · min. income ≈ HK$49,378/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,846
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,539
−HK$703/mo
Today · 4.125%
HK$27,242
baseline
▲ 0.50% · 4.625%
HK$28,678
+HK$1,436/mo
Deposit HK$3.40M · loan HK$5.09M · min. income ≈ HK$54,484/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,105
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,948
−HK$856/mo
Today · 4.125%
HK$28,804
baseline
▲ 0.50% · 4.625%
HK$30,557
+HK$1,753/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,608/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,154
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,962
−HK$821/mo
Today · 4.125%
HK$31,783
baseline
▲ 0.50% · 4.625%
HK$33,458
+HK$1,675/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,566/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,849
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,933
−HK$1,101/mo
Today · 4.125%
HK$37,034
baseline
▲ 0.50% · 4.625%
HK$39,288
+HK$2,254/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,068/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,769
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,809
−HK$1,055/mo
Today · 4.125%
HK$40,864
baseline
▲ 0.50% · 4.625%
HK$43,018
+HK$2,154/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,728/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,715 · 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).