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$19,384
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,987
−HK$612/mo
Today · 4.125%
HK$20,599
baseline
▲ 0.50% · 4.625%
HK$21,853
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,198/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,564
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,143
−HK$586/mo
Today · 4.125%
HK$22,729
baseline
▲ 0.50% · 4.625%
HK$23,928
+HK$1,199/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,458/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,261
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,984
−HK$735/mo
Today · 4.125%
HK$24,719
baseline
▲ 0.50% · 4.625%
HK$26,223
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,438/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,877
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,571
−HK$704/mo
Today · 4.125%
HK$27,275
baseline
▲ 0.50% · 4.625%
HK$28,713
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,550/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,137
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,982
−HK$857/mo
Today · 4.125%
HK$28,839
baseline
▲ 0.50% · 4.625%
HK$30,594
+HK$1,755/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,678/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,190
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,000
−HK$821/mo
Today · 4.125%
HK$31,821
baseline
▲ 0.50% · 4.625%
HK$33,499
+HK$1,678/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,642/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,891
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,976
−HK$1,103/mo
Today · 4.125%
HK$37,079
baseline
▲ 0.50% · 4.625%
HK$39,335
+HK$2,256/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,158/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,816
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,857
−HK$1,056/mo
Today · 4.125%
HK$40,913
baseline
▲ 0.50% · 4.625%
HK$43,070
+HK$2,157/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,826/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,023 · 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).