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$19,395
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,998
−HK$613/mo
Today · 4.125%
HK$20,611
baseline
▲ 0.50% · 4.625%
HK$21,865
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,222/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,576
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,155
−HK$587/mo
Today · 4.125%
HK$22,742
baseline
▲ 0.50% · 4.625%
HK$23,941
+HK$1,199/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,484/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,273
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$23,997
−HK$736/mo
Today · 4.125%
HK$24,733
baseline
▲ 0.50% · 4.625%
HK$26,238
+HK$1,505/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,466/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,892
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,586
−HK$704/mo
Today · 4.125%
HK$27,290
baseline
▲ 0.50% · 4.625%
HK$28,729
+HK$1,439/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,580/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,152
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$27,997
−HK$858/mo
Today · 4.125%
HK$28,855
baseline
▲ 0.50% · 4.625%
HK$30,611
+HK$1,756/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,710/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,207
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,017
−HK$822/mo
Today · 4.125%
HK$31,839
baseline
▲ 0.50% · 4.625%
HK$33,517
+HK$1,678/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,678/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,910
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,996
−HK$1,103/mo
Today · 4.125%
HK$37,099
baseline
▲ 0.50% · 4.625%
HK$39,357
+HK$2,258/mo
Deposit HK$851K · loan HK$7.65M · min. income ≈ HK$74,198/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,837
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,879
−HK$1,057/mo
Today · 4.125%
HK$40,936
baseline
▲ 0.50% · 4.625%
HK$43,093
+HK$2,157/mo
Deposit HK$851K · loan HK$7.65M · min. income ≈ HK$81,872/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,163 · 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).