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$19,371
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,973
−HK$612/mo
Today · 4.125%
HK$20,585
baseline
▲ 0.50% · 4.625%
HK$21,838
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,170/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,550
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,127
−HK$587/mo
Today · 4.125%
HK$22,714
baseline
▲ 0.50% · 4.625%
HK$23,911
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,428/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,245
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,968
−HK$734/mo
Today · 4.125%
HK$24,702
baseline
▲ 0.50% · 4.625%
HK$26,205
+HK$1,503/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,404/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,859
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,553
−HK$704/mo
Today · 4.125%
HK$27,257
baseline
▲ 0.50% · 4.625%
HK$28,693
+HK$1,436/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,514/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,119
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,962
−HK$857/mo
Today · 4.125%
HK$28,819
baseline
▲ 0.50% · 4.625%
HK$30,573
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,638/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,169
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,978
−HK$821/mo
Today · 4.125%
HK$31,799
baseline
▲ 0.50% · 4.625%
HK$33,476
+HK$1,677/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,598/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,867
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,952
−HK$1,101/mo
Today · 4.125%
HK$37,053
baseline
▲ 0.50% · 4.625%
HK$39,308
+HK$2,255/mo
Deposit HK$849K · loan HK$7.65M · min. income ≈ HK$74,106/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,789
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,829
−HK$1,056/mo
Today · 4.125%
HK$40,885
baseline
▲ 0.50% · 4.625%
HK$43,040
+HK$2,155/mo
Deposit HK$849K · loan HK$7.65M · min. income ≈ HK$81,770/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,848 · 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).