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$19,363
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,966
−HK$611/mo
Today · 4.125%
HK$20,577
baseline
▲ 0.50% · 4.625%
HK$21,830
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,154/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,541
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,119
−HK$586/mo
Today · 4.125%
HK$22,705
baseline
▲ 0.50% · 4.625%
HK$23,902
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,410/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,236
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,959
−HK$734/mo
Today · 4.125%
HK$24,693
baseline
▲ 0.50% · 4.625%
HK$26,195
+HK$1,502/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,386/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,850
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,543
−HK$703/mo
Today · 4.125%
HK$27,246
baseline
▲ 0.50% · 4.625%
HK$28,682
+HK$1,436/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,492/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,108
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,952
−HK$856/mo
Today · 4.125%
HK$28,808
baseline
▲ 0.50% · 4.625%
HK$30,561
+HK$1,753/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,616/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,158
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,967
−HK$820/mo
Today · 4.125%
HK$31,787
baseline
▲ 0.50% · 4.625%
HK$33,463
+HK$1,676/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,574/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,854
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,938
−HK$1,101/mo
Today · 4.125%
HK$37,039
baseline
▲ 0.50% · 4.625%
HK$39,293
+HK$2,254/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,078/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,774
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,814
−HK$1,055/mo
Today · 4.125%
HK$40,869
baseline
▲ 0.50% · 4.625%
HK$43,024
+HK$2,155/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,738/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,751 · 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).