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$19,383
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,986
−HK$612/mo
Today · 4.125%
HK$20,598
baseline
▲ 0.50% · 4.625%
HK$21,852
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,196/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,563
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,141
−HK$587/mo
Today · 4.125%
HK$22,728
baseline
▲ 0.50% · 4.625%
HK$23,926
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,456/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,259
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,983
−HK$735/mo
Today · 4.125%
HK$24,718
baseline
▲ 0.50% · 4.625%
HK$26,222
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,436/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,876
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,570
−HK$704/mo
Today · 4.125%
HK$27,274
baseline
▲ 0.50% · 4.625%
HK$28,711
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,548/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,136
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,980
−HK$858/mo
Today · 4.125%
HK$28,838
baseline
▲ 0.50% · 4.625%
HK$30,592
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,676/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,188
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,998
−HK$821/mo
Today · 4.125%
HK$31,819
baseline
▲ 0.50% · 4.625%
HK$33,497
+HK$1,678/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,638/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,889
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,974
−HK$1,103/mo
Today · 4.125%
HK$37,077
baseline
▲ 0.50% · 4.625%
HK$39,333
+HK$2,256/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,154/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,814
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,855
−HK$1,056/mo
Today · 4.125%
HK$40,911
baseline
▲ 0.50% · 4.625%
HK$43,067
+HK$2,156/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,822/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,008 · 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).