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$19,364
−HK$1,215/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$254,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,543
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,120
−HK$586/mo
Today · 4.125%
HK$22,706
baseline
▲ 0.50% · 4.625%
HK$23,903
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,412/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,237
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,960
−HK$734/mo
Today · 4.125%
HK$24,694
baseline
▲ 0.50% · 4.625%
HK$26,197
+HK$1,503/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,388/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,851
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,544
−HK$704/mo
Today · 4.125%
HK$27,248
baseline
▲ 0.50% · 4.625%
HK$28,684
+HK$1,436/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$254,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,110
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,953
−HK$857/mo
Today · 4.125%
HK$28,810
baseline
▲ 0.50% · 4.625%
HK$30,563
+HK$1,753/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,620/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,160
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,969
−HK$820/mo
Today · 4.125%
HK$31,789
baseline
▲ 0.50% · 4.625%
HK$33,465
+HK$1,676/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,578/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,856
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,940
−HK$1,102/mo
Today · 4.125%
HK$37,042
baseline
▲ 0.50% · 4.625%
HK$39,295
+HK$2,253/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$254,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,777
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,817
−HK$1,055/mo
Today · 4.125%
HK$40,872
baseline
▲ 0.50% · 4.625%
HK$43,026
+HK$2,154/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,744/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,766 · 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).