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$19,374
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,977
−HK$612/mo
Today · 4.125%
HK$20,589
baseline
▲ 0.50% · 4.625%
HK$21,842
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,178/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,554
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,132
−HK$586/mo
Today · 4.125%
HK$22,718
baseline
▲ 0.50% · 4.625%
HK$23,916
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,436/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,249
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,972
−HK$735/mo
Today · 4.125%
HK$24,707
baseline
▲ 0.50% · 4.625%
HK$26,211
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,414/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,865
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,558
−HK$704/mo
Today · 4.125%
HK$27,262
baseline
▲ 0.50% · 4.625%
HK$28,699
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,524/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,124
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,968
−HK$857/mo
Today · 4.125%
HK$28,825
baseline
▲ 0.50% · 4.625%
HK$30,579
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,650/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,175
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,985
−HK$821/mo
Today · 4.125%
HK$31,806
baseline
▲ 0.50% · 4.625%
HK$33,482
+HK$1,676/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,612/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,874
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,959
−HK$1,102/mo
Today · 4.125%
HK$37,061
baseline
▲ 0.50% · 4.625%
HK$39,316
+HK$2,255/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,122/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,797
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,837
−HK$1,056/mo
Today · 4.125%
HK$40,893
baseline
▲ 0.50% · 4.625%
HK$43,048
+HK$2,155/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,786/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,898 · 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).