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$19,373
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,976
−HK$612/mo
Today · 4.125%
HK$20,588
baseline
▲ 0.50% · 4.625%
HK$21,841
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,176/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,553
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,131
−HK$586/mo
Today · 4.125%
HK$22,717
baseline
▲ 0.50% · 4.625%
HK$23,914
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,434/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,248
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,971
−HK$735/mo
Today · 4.125%
HK$24,706
baseline
▲ 0.50% · 4.625%
HK$26,209
+HK$1,503/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,412/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,863
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,557
−HK$703/mo
Today · 4.125%
HK$27,260
baseline
▲ 0.50% · 4.625%
HK$28,697
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,520/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,123
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,966
−HK$857/mo
Today · 4.125%
HK$28,823
baseline
▲ 0.50% · 4.625%
HK$30,577
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,646/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,174
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,983
−HK$821/mo
Today · 4.125%
HK$31,804
baseline
▲ 0.50% · 4.625%
HK$33,480
+HK$1,676/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,608/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,872
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,957
−HK$1,102/mo
Today · 4.125%
HK$37,059
baseline
▲ 0.50% · 4.625%
HK$39,314
+HK$2,255/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,118/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,795
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,835
−HK$1,055/mo
Today · 4.125%
HK$40,890
baseline
▲ 0.50% · 4.625%
HK$43,046
+HK$2,156/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,780/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,883 · 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).