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$19,367
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,969
−HK$612/mo
Today · 4.125%
HK$20,581
baseline
▲ 0.50% · 4.625%
HK$21,834
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,162/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,545
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,123
−HK$586/mo
Today · 4.125%
HK$22,709
baseline
▲ 0.50% · 4.625%
HK$23,907
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,418/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,240
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,963
−HK$735/mo
Today · 4.125%
HK$24,698
baseline
▲ 0.50% · 4.625%
HK$26,200
+HK$1,502/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,396/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,855
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,548
−HK$703/mo
Today · 4.125%
HK$27,251
baseline
▲ 0.50% · 4.625%
HK$28,688
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,502/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,114
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,957
−HK$857/mo
Today · 4.125%
HK$28,814
baseline
▲ 0.50% · 4.625%
HK$30,567
+HK$1,753/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,628/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,164
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,973
−HK$820/mo
Today · 4.125%
HK$31,793
baseline
▲ 0.50% · 4.625%
HK$33,469
+HK$1,676/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,586/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,860
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,945
−HK$1,101/mo
Today · 4.125%
HK$37,046
baseline
▲ 0.50% · 4.625%
HK$39,301
+HK$2,255/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,092/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,782
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,822
−HK$1,055/mo
Today · 4.125%
HK$40,877
baseline
▲ 0.50% · 4.625%
HK$43,032
+HK$2,155/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,754/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,799 · 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).