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$19,374
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,977
−HK$612/mo
Today · 4.125%
HK$20,589
baseline
▲ 0.50% · 4.625%
HK$21,842
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,178/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,553
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,131
−HK$587/mo
Today · 4.125%
HK$22,718
baseline
▲ 0.50% · 4.625%
HK$23,915
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,436/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,249
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,972
−HK$735/mo
Today · 4.125%
HK$24,707
baseline
▲ 0.50% · 4.625%
HK$26,210
+HK$1,503/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,414/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,864
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,558
−HK$703/mo
Today · 4.125%
HK$27,261
baseline
▲ 0.50% · 4.625%
HK$28,698
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,522/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,123
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,967
−HK$857/mo
Today · 4.125%
HK$28,824
baseline
▲ 0.50% · 4.625%
HK$30,578
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,648/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,175
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,984
−HK$821/mo
Today · 4.125%
HK$31,805
baseline
▲ 0.50% · 4.625%
HK$33,481
+HK$1,676/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,610/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,873
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,958
−HK$1,102/mo
Today · 4.125%
HK$37,060
baseline
▲ 0.50% · 4.625%
HK$39,315
+HK$2,255/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,120/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,796
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,836
−HK$1,056/mo
Today · 4.125%
HK$40,892
baseline
▲ 0.50% · 4.625%
HK$43,047
+HK$2,155/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,784/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,891 · 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).