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$19,372
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,974
−HK$613/mo
Today · 4.125%
HK$20,587
baseline
▲ 0.50% · 4.625%
HK$21,839
+HK$1,252/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,174/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,551
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,129
−HK$586/mo
Today · 4.125%
HK$22,715
baseline
▲ 0.50% · 4.625%
HK$23,913
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,430/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,246
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,969
−HK$735/mo
Today · 4.125%
HK$24,704
baseline
▲ 0.50% · 4.625%
HK$26,207
+HK$1,503/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,408/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,861
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,555
−HK$703/mo
Today · 4.125%
HK$27,258
baseline
▲ 0.50% · 4.625%
HK$28,695
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,516/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,120
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,964
−HK$857/mo
Today · 4.125%
HK$28,821
baseline
▲ 0.50% · 4.625%
HK$30,575
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,642/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,171
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,980
−HK$821/mo
Today · 4.125%
HK$31,801
baseline
▲ 0.50% · 4.625%
HK$33,478
+HK$1,677/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,602/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,869
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,954
−HK$1,102/mo
Today · 4.125%
HK$37,056
baseline
▲ 0.50% · 4.625%
HK$39,311
+HK$2,255/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,112/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,792
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,832
−HK$1,055/mo
Today · 4.125%
HK$40,887
baseline
▲ 0.50% · 4.625%
HK$43,043
+HK$2,156/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,774/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,863 · 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).