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$1,215/mo
▼ 0.25% · 3.875%
HK$19,966
−HK$612/mo
Today · 4.125%
HK$20,578
baseline
▲ 0.50% · 4.625%
HK$21,830
+HK$1,252/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,156/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,542
−HK$1,163/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$254,754 · 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$26,196
+HK$1,503/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$254,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,850
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,543
−HK$704/mo
Today · 4.125%
HK$27,247
baseline
▲ 0.50% · 4.625%
HK$28,683
+HK$1,436/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,494/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,109
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,952
−HK$857/mo
Today · 4.125%
HK$28,809
baseline
▲ 0.50% · 4.625%
HK$30,562
+HK$1,753/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,618/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,158
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,967
−HK$821/mo
Today · 4.125%
HK$31,788
baseline
▲ 0.50% · 4.625%
HK$33,463
+HK$1,675/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,576/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,854
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,938
−HK$1,102/mo
Today · 4.125%
HK$37,040
baseline
▲ 0.50% · 4.625%
HK$39,294
+HK$2,254/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,080/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,775
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,815
−HK$1,055/mo
Today · 4.125%
HK$40,870
baseline
▲ 0.50% · 4.625%
HK$43,024
+HK$2,154/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,740/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,754 · 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).