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$19,377
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,980
−HK$612/mo
Today · 4.125%
HK$20,592
baseline
▲ 0.50% · 4.625%
HK$21,845
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,184/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,557
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,135
−HK$586/mo
Today · 4.125%
HK$22,721
baseline
▲ 0.50% · 4.625%
HK$23,919
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,442/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,253
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,976
−HK$735/mo
Today · 4.125%
HK$24,711
baseline
▲ 0.50% · 4.625%
HK$26,214
+HK$1,503/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,422/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,868
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,562
−HK$704/mo
Today · 4.125%
HK$27,266
baseline
▲ 0.50% · 4.625%
HK$28,703
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,532/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,128
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,972
−HK$857/mo
Today · 4.125%
HK$28,829
baseline
▲ 0.50% · 4.625%
HK$30,583
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,658/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,180
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,989
−HK$821/mo
Today · 4.125%
HK$31,810
baseline
▲ 0.50% · 4.625%
HK$33,487
+HK$1,677/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,620/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,879
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,964
−HK$1,102/mo
Today · 4.125%
HK$37,066
baseline
▲ 0.50% · 4.625%
HK$39,321
+HK$2,255/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,132/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,802
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,843
−HK$1,056/mo
Today · 4.125%
HK$40,899
baseline
▲ 0.50% · 4.625%
HK$43,055
+HK$2,156/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,798/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,934 · 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).