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$19,378
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,980
−HK$613/mo
Today · 4.125%
HK$20,593
baseline
▲ 0.50% · 4.625%
HK$21,846
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,186/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,557
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,135
−HK$587/mo
Today · 4.125%
HK$22,722
baseline
▲ 0.50% · 4.625%
HK$23,920
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,444/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,253
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,976
−HK$735/mo
Today · 4.125%
HK$24,711
baseline
▲ 0.50% · 4.625%
HK$26,215
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,422/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,869
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,563
−HK$703/mo
Today · 4.125%
HK$27,266
baseline
▲ 0.50% · 4.625%
HK$28,704
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,532/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,129
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,972
−HK$858/mo
Today · 4.125%
HK$28,830
baseline
▲ 0.50% · 4.625%
HK$30,584
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,660/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,180
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,990
−HK$821/mo
Today · 4.125%
HK$31,811
baseline
▲ 0.50% · 4.625%
HK$33,488
+HK$1,677/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,622/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,880
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,964
−HK$1,103/mo
Today · 4.125%
HK$37,067
baseline
▲ 0.50% · 4.625%
HK$39,322
+HK$2,255/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,134/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,803
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,844
−HK$1,056/mo
Today · 4.125%
HK$40,900
baseline
▲ 0.50% · 4.625%
HK$43,055
+HK$2,155/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,800/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,939 · 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).