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$19,397
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$20,000
−HK$613/mo
Today · 4.125%
HK$20,613
baseline
▲ 0.50% · 4.625%
HK$21,867
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,226/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,578
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,157
−HK$587/mo
Today · 4.125%
HK$22,744
baseline
▲ 0.50% · 4.625%
HK$23,943
+HK$1,199/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,488/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,276
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$24,000
−HK$735/mo
Today · 4.125%
HK$24,735
baseline
▲ 0.50% · 4.625%
HK$26,241
+HK$1,506/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,470/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,894
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,589
−HK$704/mo
Today · 4.125%
HK$27,293
baseline
▲ 0.50% · 4.625%
HK$28,732
+HK$1,439/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,586/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,155
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,000
−HK$858/mo
Today · 4.125%
HK$28,858
baseline
▲ 0.50% · 4.625%
HK$30,614
+HK$1,756/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,716/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,210
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,020
−HK$822/mo
Today · 4.125%
HK$31,842
baseline
▲ 0.50% · 4.625%
HK$33,520
+HK$1,678/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,684/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,914
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$36,000
−HK$1,103/mo
Today · 4.125%
HK$37,103
baseline
▲ 0.50% · 4.625%
HK$39,361
+HK$2,258/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,206/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,841
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,883
−HK$1,057/mo
Today · 4.125%
HK$40,940
baseline
▲ 0.50% · 4.625%
HK$43,098
+HK$2,158/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,880/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,190 · 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).