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$19,365
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,967
−HK$612/mo
Today · 4.125%
HK$20,579
baseline
▲ 0.50% · 4.625%
HK$21,831
+HK$1,252/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,158/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,543
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,121
−HK$586/mo
Today · 4.125%
HK$22,707
baseline
▲ 0.50% · 4.625%
HK$23,904
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,414/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,238
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,960
−HK$735/mo
Today · 4.125%
HK$24,695
baseline
▲ 0.50% · 4.625%
HK$26,197
+HK$1,502/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,390/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,852
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,545
−HK$703/mo
Today · 4.125%
HK$27,248
baseline
▲ 0.50% · 4.625%
HK$28,685
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,496/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,111
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,954
−HK$857/mo
Today · 4.125%
HK$28,811
baseline
▲ 0.50% · 4.625%
HK$30,564
+HK$1,753/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,622/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,160
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,969
−HK$821/mo
Today · 4.125%
HK$31,790
baseline
▲ 0.50% · 4.625%
HK$33,465
+HK$1,675/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,580/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,857
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,941
−HK$1,101/mo
Today · 4.125%
HK$37,042
baseline
▲ 0.50% · 4.625%
HK$39,296
+HK$2,254/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,084/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,778
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,817
−HK$1,056/mo
Today · 4.125%
HK$40,873
baseline
▲ 0.50% · 4.625%
HK$43,027
+HK$2,154/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,746/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,771 · 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).