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$19,389
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,992
−HK$612/mo
Today · 4.125%
HK$20,604
baseline
▲ 0.50% · 4.625%
HK$21,858
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,208/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,570
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,148
−HK$587/mo
Today · 4.125%
HK$22,735
baseline
▲ 0.50% · 4.625%
HK$23,933
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,470/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,266
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,990
−HK$735/mo
Today · 4.125%
HK$24,725
baseline
▲ 0.50% · 4.625%
HK$26,230
+HK$1,505/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,450/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,884
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,578
−HK$704/mo
Today · 4.125%
HK$27,282
baseline
▲ 0.50% · 4.625%
HK$28,720
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,564/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,144
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,988
−HK$858/mo
Today · 4.125%
HK$28,846
baseline
▲ 0.50% · 4.625%
HK$30,601
+HK$1,755/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,692/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,197
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,007
−HK$822/mo
Today · 4.125%
HK$31,829
baseline
▲ 0.50% · 4.625%
HK$33,507
+HK$1,678/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,658/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,899
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,985
−HK$1,103/mo
Today · 4.125%
HK$37,088
baseline
▲ 0.50% · 4.625%
HK$39,345
+HK$2,257/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,176/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,825
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,867
−HK$1,056/mo
Today · 4.125%
HK$40,923
baseline
▲ 0.50% · 4.625%
HK$43,080
+HK$2,157/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,846/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,085 · 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).