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$19,379
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,982
−HK$612/mo
Today · 4.125%
HK$20,594
baseline
▲ 0.50% · 4.625%
HK$21,847
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,188/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,559
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,137
−HK$587/mo
Today · 4.125%
HK$22,724
baseline
▲ 0.50% · 4.625%
HK$23,921
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,448/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,255
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,978
−HK$735/mo
Today · 4.125%
HK$24,713
baseline
▲ 0.50% · 4.625%
HK$26,217
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,426/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,871
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,564
−HK$704/mo
Today · 4.125%
HK$27,268
baseline
▲ 0.50% · 4.625%
HK$28,706
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,536/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,130
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,974
−HK$858/mo
Today · 4.125%
HK$28,832
baseline
▲ 0.50% · 4.625%
HK$30,586
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,664/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,182
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,992
−HK$821/mo
Today · 4.125%
HK$31,813
baseline
▲ 0.50% · 4.625%
HK$33,490
+HK$1,677/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,626/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,882
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,967
−HK$1,102/mo
Today · 4.125%
HK$37,069
baseline
▲ 0.50% · 4.625%
HK$39,325
+HK$2,256/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,138/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,806
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,847
−HK$1,056/mo
Today · 4.125%
HK$40,903
baseline
▲ 0.50% · 4.625%
HK$43,059
+HK$2,156/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,806/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,958 · 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).