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$19,405
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$20,008
−HK$613/mo
Today · 4.125%
HK$20,621
baseline
▲ 0.50% · 4.625%
HK$21,876
+HK$1,255/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,242/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,587
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,166
−HK$588/mo
Today · 4.125%
HK$22,754
baseline
▲ 0.50% · 4.625%
HK$23,953
+HK$1,199/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,508/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,285
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,010
−HK$736/mo
Today · 4.125%
HK$24,746
baseline
▲ 0.50% · 4.625%
HK$26,251
+HK$1,505/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$49,492/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,905
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,600
−HK$704/mo
Today · 4.125%
HK$27,304
baseline
▲ 0.50% · 4.625%
HK$28,744
+HK$1,440/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$54,608/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,166
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,011
−HK$859/mo
Today · 4.125%
HK$28,870
baseline
▲ 0.50% · 4.625%
HK$30,627
+HK$1,757/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,740/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,222
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,033
−HK$822/mo
Today · 4.125%
HK$31,855
baseline
▲ 0.50% · 4.625%
HK$33,534
+HK$1,679/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,710/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,928
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,015
−HK$1,104/mo
Today · 4.125%
HK$37,119
baseline
▲ 0.50% · 4.625%
HK$39,377
+HK$2,258/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,238/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,857
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,899
−HK$1,058/mo
Today · 4.125%
HK$40,957
baseline
▲ 0.50% · 4.625%
HK$43,116
+HK$2,159/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,914/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,295 · 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).