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$19,387
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,990
−HK$613/mo
Today · 4.125%
HK$20,603
baseline
▲ 0.50% · 4.625%
HK$21,857
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,206/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,568
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,147
−HK$586/mo
Today · 4.125%
HK$22,733
baseline
▲ 0.50% · 4.625%
HK$23,932
+HK$1,199/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,466/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,265
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,988
−HK$736/mo
Today · 4.125%
HK$24,724
baseline
▲ 0.50% · 4.625%
HK$26,228
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,448/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,882
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,576
−HK$704/mo
Today · 4.125%
HK$27,280
baseline
▲ 0.50% · 4.625%
HK$28,718
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,560/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,142
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,986
−HK$858/mo
Today · 4.125%
HK$28,844
baseline
▲ 0.50% · 4.625%
HK$30,599
+HK$1,755/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,688/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,195
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,005
−HK$822/mo
Today · 4.125%
HK$31,827
baseline
▲ 0.50% · 4.625%
HK$33,504
+HK$1,677/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,654/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,897
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,983
−HK$1,102/mo
Today · 4.125%
HK$37,085
baseline
▲ 0.50% · 4.625%
HK$39,342
+HK$2,257/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,170/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,823
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,864
−HK$1,056/mo
Today · 4.125%
HK$40,920
baseline
▲ 0.50% · 4.625%
HK$43,077
+HK$2,157/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,840/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,068 · 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).