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$19,391
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,994
−HK$613/mo
Today · 4.125%
HK$20,607
baseline
▲ 0.50% · 4.625%
HK$21,860
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,214/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,572
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,150
−HK$587/mo
Today · 4.125%
HK$22,737
baseline
▲ 0.50% · 4.625%
HK$23,936
+HK$1,199/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,474/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,269
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,992
−HK$736/mo
Today · 4.125%
HK$24,728
baseline
▲ 0.50% · 4.625%
HK$26,232
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,456/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,886
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,580
−HK$705/mo
Today · 4.125%
HK$27,285
baseline
▲ 0.50% · 4.625%
HK$28,723
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,570/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,147
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,991
−HK$858/mo
Today · 4.125%
HK$28,849
baseline
▲ 0.50% · 4.625%
HK$30,605
+HK$1,756/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,698/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,201
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,010
−HK$822/mo
Today · 4.125%
HK$31,832
baseline
▲ 0.50% · 4.625%
HK$33,510
+HK$1,678/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,664/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,903
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,989
−HK$1,103/mo
Today · 4.125%
HK$37,092
baseline
▲ 0.50% · 4.625%
HK$39,349
+HK$2,257/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,184/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,829
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,871
−HK$1,056/mo
Today · 4.125%
HK$40,927
baseline
▲ 0.50% · 4.625%
HK$43,084
+HK$2,157/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,854/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,111 · 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).