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$19,389
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,992
−HK$613/mo
Today · 4.125%
HK$20,605
baseline
▲ 0.50% · 4.625%
HK$21,859
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,210/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,570
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,149
−HK$586/mo
Today · 4.125%
HK$22,735
baseline
▲ 0.50% · 4.625%
HK$23,934
+HK$1,199/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,470/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,267
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,991
−HK$735/mo
Today · 4.125%
HK$24,726
baseline
▲ 0.50% · 4.625%
HK$26,230
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,452/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,884
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,578
−HK$705/mo
Today · 4.125%
HK$27,283
baseline
▲ 0.50% · 4.625%
HK$28,721
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,566/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,145
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,989
−HK$858/mo
Today · 4.125%
HK$28,847
baseline
▲ 0.50% · 4.625%
HK$30,602
+HK$1,755/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,694/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,198
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,008
−HK$822/mo
Today · 4.125%
HK$31,830
baseline
▲ 0.50% · 4.625%
HK$33,507
+HK$1,677/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,660/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,900
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,986
−HK$1,103/mo
Today · 4.125%
HK$37,089
baseline
▲ 0.50% · 4.625%
HK$39,346
+HK$2,257/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,178/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,826
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,867
−HK$1,057/mo
Today · 4.125%
HK$40,924
baseline
▲ 0.50% · 4.625%
HK$43,081
+HK$2,157/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,848/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,090 · 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).