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$19,403
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,007
−HK$613/mo
Today · 4.125%
HK$20,620
baseline
▲ 0.50% · 4.625%
HK$21,875
+HK$1,255/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,240/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,586
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,165
−HK$587/mo
Today · 4.125%
HK$22,752
baseline
▲ 0.50% · 4.625%
HK$23,951
+HK$1,199/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,504/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,284
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,008
−HK$736/mo
Today · 4.125%
HK$24,744
baseline
▲ 0.50% · 4.625%
HK$26,250
+HK$1,506/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$49,488/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,903
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,598
−HK$704/mo
Today · 4.125%
HK$27,302
baseline
▲ 0.50% · 4.625%
HK$28,742
+HK$1,440/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$54,604/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,164
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,009
−HK$859/mo
Today · 4.125%
HK$28,868
baseline
▲ 0.50% · 4.625%
HK$30,624
+HK$1,756/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,736/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,220
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,031
−HK$822/mo
Today · 4.125%
HK$31,853
baseline
▲ 0.50% · 4.625%
HK$33,532
+HK$1,679/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,706/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,926
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,012
−HK$1,104/mo
Today · 4.125%
HK$37,116
baseline
▲ 0.50% · 4.625%
HK$39,374
+HK$2,258/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,232/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,854
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,897
−HK$1,057/mo
Today · 4.125%
HK$40,954
baseline
▲ 0.50% · 4.625%
HK$43,112
+HK$2,158/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,908/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,277 · 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).