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$19,390
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,993
−HK$613/mo
Today · 4.125%
HK$20,606
baseline
▲ 0.50% · 4.625%
HK$21,860
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,212/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,571
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,150
−HK$587/mo
Today · 4.125%
HK$22,737
baseline
▲ 0.50% · 4.625%
HK$23,935
+HK$1,198/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$255,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,268
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,992
−HK$735/mo
Today · 4.125%
HK$24,727
baseline
▲ 0.50% · 4.625%
HK$26,232
+HK$1,505/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,454/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,885
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,580
−HK$704/mo
Today · 4.125%
HK$27,284
baseline
▲ 0.50% · 4.625%
HK$28,722
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,568/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,146
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,990
−HK$858/mo
Today · 4.125%
HK$28,848
baseline
▲ 0.50% · 4.625%
HK$30,604
+HK$1,756/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,696/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,200
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,010
−HK$821/mo
Today · 4.125%
HK$31,831
baseline
▲ 0.50% · 4.625%
HK$33,509
+HK$1,678/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,662/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,902
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,988
−HK$1,103/mo
Today · 4.125%
HK$37,091
baseline
▲ 0.50% · 4.625%
HK$39,347
+HK$2,256/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,182/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,828
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,869
−HK$1,057/mo
Today · 4.125%
HK$40,926
baseline
▲ 0.50% · 4.625%
HK$43,083
+HK$2,157/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,852/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,103 · 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).