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$19,375
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,978
−HK$612/mo
Today · 4.125%
HK$20,590
baseline
▲ 0.50% · 4.625%
HK$21,843
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,180/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,555
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,133
−HK$586/mo
Today · 4.125%
HK$22,719
baseline
▲ 0.50% · 4.625%
HK$23,917
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,438/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,250
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,973
−HK$735/mo
Today · 4.125%
HK$24,708
baseline
▲ 0.50% · 4.625%
HK$26,212
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,416/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,866
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,559
−HK$704/mo
Today · 4.125%
HK$27,263
baseline
▲ 0.50% · 4.625%
HK$28,700
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,526/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,125
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,969
−HK$857/mo
Today · 4.125%
HK$28,826
baseline
▲ 0.50% · 4.625%
HK$30,580
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,652/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,177
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,986
−HK$821/mo
Today · 4.125%
HK$31,807
baseline
▲ 0.50% · 4.625%
HK$33,484
+HK$1,677/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,614/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,875
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,960
−HK$1,102/mo
Today · 4.125%
HK$37,062
baseline
▲ 0.50% · 4.625%
HK$39,318
+HK$2,256/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,124/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,799
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,839
−HK$1,056/mo
Today · 4.125%
HK$40,895
baseline
▲ 0.50% · 4.625%
HK$43,050
+HK$2,155/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,790/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,909 · 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).