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$19,369
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,971
−HK$613/mo
Today · 4.125%
HK$20,584
baseline
▲ 0.50% · 4.625%
HK$21,836
+HK$1,252/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,168/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,548
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,126
−HK$586/mo
Today · 4.125%
HK$22,712
baseline
▲ 0.50% · 4.625%
HK$23,909
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,424/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,243
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,966
−HK$734/mo
Today · 4.125%
HK$24,700
baseline
▲ 0.50% · 4.625%
HK$26,203
+HK$1,503/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,400/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,857
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,551
−HK$703/mo
Today · 4.125%
HK$27,254
baseline
▲ 0.50% · 4.625%
HK$28,691
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,508/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,117
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,960
−HK$857/mo
Today · 4.125%
HK$28,817
baseline
▲ 0.50% · 4.625%
HK$30,570
+HK$1,753/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,634/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,167
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,976
−HK$821/mo
Today · 4.125%
HK$31,797
baseline
▲ 0.50% · 4.625%
HK$33,473
+HK$1,676/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,594/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,864
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,949
−HK$1,101/mo
Today · 4.125%
HK$37,050
baseline
▲ 0.50% · 4.625%
HK$39,305
+HK$2,255/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,100/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,786
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,826
−HK$1,056/mo
Today · 4.125%
HK$40,882
baseline
▲ 0.50% · 4.625%
HK$43,036
+HK$2,154/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,764/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,827 · 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).