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$19,371
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,973
−HK$613/mo
Today · 4.125%
HK$20,586
baseline
▲ 0.50% · 4.625%
HK$21,838
+HK$1,252/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,172/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,550
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,128
−HK$586/mo
Today · 4.125%
HK$22,714
baseline
▲ 0.50% · 4.625%
HK$23,912
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,428/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,245
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,968
−HK$735/mo
Today · 4.125%
HK$24,703
baseline
▲ 0.50% · 4.625%
HK$26,206
+HK$1,503/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,406/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,860
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,554
−HK$703/mo
Today · 4.125%
HK$27,257
baseline
▲ 0.50% · 4.625%
HK$28,694
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,514/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,119
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,963
−HK$857/mo
Today · 4.125%
HK$28,820
baseline
▲ 0.50% · 4.625%
HK$30,574
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,640/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,170
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,979
−HK$821/mo
Today · 4.125%
HK$31,800
baseline
▲ 0.50% · 4.625%
HK$33,476
+HK$1,676/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,600/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,868
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,952
−HK$1,102/mo
Today · 4.125%
HK$37,054
baseline
▲ 0.50% · 4.625%
HK$39,309
+HK$2,255/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,108/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,790
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,830
−HK$1,056/mo
Today · 4.125%
HK$40,886
baseline
▲ 0.50% · 4.625%
HK$43,041
+HK$2,155/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,772/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,853 · 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).