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$19,394
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,997
−HK$613/mo
Today · 4.125%
HK$20,610
baseline
▲ 0.50% · 4.625%
HK$21,864
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,220/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,575
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,154
−HK$587/mo
Today · 4.125%
HK$22,741
baseline
▲ 0.50% · 4.625%
HK$23,939
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,482/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,272
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$23,996
−HK$736/mo
Today · 4.125%
HK$24,732
baseline
▲ 0.50% · 4.625%
HK$26,236
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,464/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,890
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,584
−HK$705/mo
Today · 4.125%
HK$27,289
baseline
▲ 0.50% · 4.625%
HK$28,727
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,578/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,151
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$27,996
−HK$858/mo
Today · 4.125%
HK$28,854
baseline
▲ 0.50% · 4.625%
HK$30,609
+HK$1,755/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,708/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,205
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,015
−HK$822/mo
Today · 4.125%
HK$31,837
baseline
▲ 0.50% · 4.625%
HK$33,515
+HK$1,678/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,674/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,908
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,994
−HK$1,103/mo
Today · 4.125%
HK$37,097
baseline
▲ 0.50% · 4.625%
HK$39,355
+HK$2,258/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,194/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,835
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,877
−HK$1,056/mo
Today · 4.125%
HK$40,933
baseline
▲ 0.50% · 4.625%
HK$43,091
+HK$2,158/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,866/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,150 · 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).