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$19,386
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,989
−HK$612/mo
Today · 4.125%
HK$20,601
baseline
▲ 0.50% · 4.625%
HK$21,855
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,202/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,567
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,145
−HK$587/mo
Today · 4.125%
HK$22,732
baseline
▲ 0.50% · 4.625%
HK$23,930
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,464/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,263
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,987
−HK$735/mo
Today · 4.125%
HK$24,722
baseline
▲ 0.50% · 4.625%
HK$26,226
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,444/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,880
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,574
−HK$704/mo
Today · 4.125%
HK$27,278
baseline
▲ 0.50% · 4.625%
HK$28,716
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,556/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,140
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,984
−HK$858/mo
Today · 4.125%
HK$28,842
baseline
▲ 0.50% · 4.625%
HK$30,597
+HK$1,755/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,684/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,193
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,003
−HK$821/mo
Today · 4.125%
HK$31,824
baseline
▲ 0.50% · 4.625%
HK$33,502
+HK$1,678/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,648/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,894
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,980
−HK$1,103/mo
Today · 4.125%
HK$37,083
baseline
▲ 0.50% · 4.625%
HK$39,339
+HK$2,256/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,166/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,820
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,861
−HK$1,056/mo
Today · 4.125%
HK$40,917
baseline
▲ 0.50% · 4.625%
HK$43,074
+HK$2,157/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,834/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,048 · 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).