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$19,379
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,981
−HK$613/mo
Today · 4.125%
HK$20,594
baseline
▲ 0.50% · 4.625%
HK$21,847
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,188/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,558
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,137
−HK$586/mo
Today · 4.125%
HK$22,723
baseline
▲ 0.50% · 4.625%
HK$23,921
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,446/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,254
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,978
−HK$735/mo
Today · 4.125%
HK$24,713
baseline
▲ 0.50% · 4.625%
HK$26,216
+HK$1,503/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,426/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,870
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,564
−HK$704/mo
Today · 4.125%
HK$27,268
baseline
▲ 0.50% · 4.625%
HK$28,705
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,536/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,130
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,974
−HK$857/mo
Today · 4.125%
HK$28,831
baseline
▲ 0.50% · 4.625%
HK$30,586
+HK$1,755/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,662/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,182
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,991
−HK$822/mo
Today · 4.125%
HK$31,813
baseline
▲ 0.50% · 4.625%
HK$33,489
+HK$1,676/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,626/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,881
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,966
−HK$1,103/mo
Today · 4.125%
HK$37,069
baseline
▲ 0.50% · 4.625%
HK$39,324
+HK$2,255/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,138/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,805
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,846
−HK$1,056/mo
Today · 4.125%
HK$40,902
baseline
▲ 0.50% · 4.625%
HK$43,058
+HK$2,156/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,804/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,953 · 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).