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$20,006
−HK$614/mo
Today · 4.125%
HK$20,620
baseline
▲ 0.50% · 4.625%
HK$21,874
+HK$1,254/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$255,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,586
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,164
−HK$588/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$255,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,283
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,008
−HK$736/mo
Today · 4.125%
HK$24,744
baseline
▲ 0.50% · 4.625%
HK$26,249
+HK$1,505/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$255,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,903
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,597
−HK$705/mo
Today · 4.125%
HK$27,302
baseline
▲ 0.50% · 4.625%
HK$28,741
+HK$1,439/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$255,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,164
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,009
−HK$858/mo
Today · 4.125%
HK$28,867
baseline
▲ 0.50% · 4.625%
HK$30,624
+HK$1,757/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,734/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,220
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,030
−HK$822/mo
Today · 4.125%
HK$31,852
baseline
▲ 0.50% · 4.625%
HK$33,531
+HK$1,679/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,704/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,925
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,012
−HK$1,103/mo
Today · 4.125%
HK$37,115
baseline
▲ 0.50% · 4.625%
HK$39,374
+HK$2,259/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,230/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,854
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,896
−HK$1,057/mo
Today · 4.125%
HK$40,953
baseline
▲ 0.50% · 4.625%
HK$43,112
+HK$2,159/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,906/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,273 · 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).