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$19,367
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,969
−HK$612/mo
Today · 4.125%
HK$20,581
baseline
▲ 0.50% · 4.625%
HK$21,833
+HK$1,252/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,162/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,545
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,123
−HK$586/mo
Today · 4.125%
HK$22,709
baseline
▲ 0.50% · 4.625%
HK$23,906
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,418/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,240
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,963
−HK$734/mo
Today · 4.125%
HK$24,697
baseline
▲ 0.50% · 4.625%
HK$26,200
+HK$1,503/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,394/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,854
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,548
−HK$703/mo
Today · 4.125%
HK$27,251
baseline
▲ 0.50% · 4.625%
HK$28,688
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,502/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,113
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,957
−HK$857/mo
Today · 4.125%
HK$28,814
baseline
▲ 0.50% · 4.625%
HK$30,567
+HK$1,753/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,628/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,163
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,972
−HK$821/mo
Today · 4.125%
HK$31,793
baseline
▲ 0.50% · 4.625%
HK$33,469
+HK$1,676/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,586/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,860
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,944
−HK$1,102/mo
Today · 4.125%
HK$37,046
baseline
▲ 0.50% · 4.625%
HK$39,300
+HK$2,254/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,092/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,781
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,822
−HK$1,055/mo
Today · 4.125%
HK$40,877
baseline
▲ 0.50% · 4.625%
HK$43,031
+HK$2,154/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,754/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,797 · 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).