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$19,381
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,984
−HK$612/mo
Today · 4.125%
HK$20,596
baseline
▲ 0.50% · 4.625%
HK$21,850
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,192/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,561
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,139
−HK$587/mo
Today · 4.125%
HK$22,726
baseline
▲ 0.50% · 4.625%
HK$23,924
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,452/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,257
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,981
−HK$735/mo
Today · 4.125%
HK$24,716
baseline
▲ 0.50% · 4.625%
HK$26,219
+HK$1,503/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,432/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,873
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,567
−HK$704/mo
Today · 4.125%
HK$27,271
baseline
▲ 0.50% · 4.625%
HK$28,709
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,542/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,133
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,977
−HK$858/mo
Today · 4.125%
HK$28,835
baseline
▲ 0.50% · 4.625%
HK$30,589
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,670/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,186
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,995
−HK$821/mo
Today · 4.125%
HK$31,816
baseline
▲ 0.50% · 4.625%
HK$33,494
+HK$1,678/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,632/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,886
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,971
−HK$1,102/mo
Today · 4.125%
HK$37,073
baseline
▲ 0.50% · 4.625%
HK$39,329
+HK$2,256/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,146/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,810
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,851
−HK$1,056/mo
Today · 4.125%
HK$40,907
baseline
▲ 0.50% · 4.625%
HK$43,063
+HK$2,156/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,814/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,985 · 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).