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$19,380
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,983
−HK$613/mo
Today · 4.125%
HK$20,596
baseline
▲ 0.50% · 4.625%
HK$21,849
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,192/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,560
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,139
−HK$586/mo
Today · 4.125%
HK$22,725
baseline
▲ 0.50% · 4.625%
HK$23,923
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,450/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,256
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,980
−HK$735/mo
Today · 4.125%
HK$24,715
baseline
▲ 0.50% · 4.625%
HK$26,219
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,430/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,872
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,566
−HK$704/mo
Today · 4.125%
HK$27,270
baseline
▲ 0.50% · 4.625%
HK$28,708
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,540/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,132
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,976
−HK$858/mo
Today · 4.125%
HK$28,834
baseline
▲ 0.50% · 4.625%
HK$30,588
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,668/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,185
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,994
−HK$821/mo
Today · 4.125%
HK$31,815
baseline
▲ 0.50% · 4.625%
HK$33,492
+HK$1,677/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,630/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,885
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,970
−HK$1,102/mo
Today · 4.125%
HK$37,072
baseline
▲ 0.50% · 4.625%
HK$39,328
+HK$2,256/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,144/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,809
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,849
−HK$1,056/mo
Today · 4.125%
HK$40,905
baseline
▲ 0.50% · 4.625%
HK$43,062
+HK$2,157/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,810/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,976 · 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).