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$19,380
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,983
−HK$612/mo
Today · 4.125%
HK$20,595
baseline
▲ 0.50% · 4.625%
HK$21,848
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,190/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,560
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,138
−HK$587/mo
Today · 4.125%
HK$22,725
baseline
▲ 0.50% · 4.625%
HK$23,922
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,450/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,256
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,979
−HK$735/mo
Today · 4.125%
HK$24,714
baseline
▲ 0.50% · 4.625%
HK$26,218
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,428/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,872
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,566
−HK$703/mo
Today · 4.125%
HK$27,269
baseline
▲ 0.50% · 4.625%
HK$28,707
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,538/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,132
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,976
−HK$857/mo
Today · 4.125%
HK$28,833
baseline
▲ 0.50% · 4.625%
HK$30,587
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,666/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,184
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,993
−HK$821/mo
Today · 4.125%
HK$31,814
baseline
▲ 0.50% · 4.625%
HK$33,491
+HK$1,677/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,628/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,883
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,969
−HK$1,102/mo
Today · 4.125%
HK$37,071
baseline
▲ 0.50% · 4.625%
HK$39,327
+HK$2,256/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,142/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,808
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,848
−HK$1,056/mo
Today · 4.125%
HK$40,904
baseline
▲ 0.50% · 4.625%
HK$43,060
+HK$2,156/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,808/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,968 · 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).