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$19,391
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,995
−HK$612/mo
Today · 4.125%
HK$20,607
baseline
▲ 0.50% · 4.625%
HK$21,861
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,214/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,573
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,151
−HK$587/mo
Today · 4.125%
HK$22,738
baseline
▲ 0.50% · 4.625%
HK$23,937
+HK$1,199/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,476/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,270
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,993
−HK$736/mo
Today · 4.125%
HK$24,729
baseline
▲ 0.50% · 4.625%
HK$26,234
+HK$1,505/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,458/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,887
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,582
−HK$704/mo
Today · 4.125%
HK$27,286
baseline
▲ 0.50% · 4.625%
HK$28,724
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,572/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,148
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,992
−HK$858/mo
Today · 4.125%
HK$28,850
baseline
▲ 0.50% · 4.625%
HK$30,606
+HK$1,756/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,700/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,202
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,012
−HK$821/mo
Today · 4.125%
HK$31,833
baseline
▲ 0.50% · 4.625%
HK$33,511
+HK$1,678/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,666/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,904
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,990
−HK$1,103/mo
Today · 4.125%
HK$37,093
baseline
▲ 0.50% · 4.625%
HK$39,350
+HK$2,257/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,186/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,831
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,872
−HK$1,057/mo
Today · 4.125%
HK$40,929
baseline
▲ 0.50% · 4.625%
HK$43,086
+HK$2,157/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,858/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,121 · 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).