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$19,396
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,999
−HK$613/mo
Today · 4.125%
HK$20,612
baseline
▲ 0.50% · 4.625%
HK$21,866
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,224/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,577
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,156
−HK$587/mo
Today · 4.125%
HK$22,743
baseline
▲ 0.50% · 4.625%
HK$23,942
+HK$1,199/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,486/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,275
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,999
−HK$735/mo
Today · 4.125%
HK$24,734
baseline
▲ 0.50% · 4.625%
HK$26,239
+HK$1,505/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,468/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,893
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,587
−HK$705/mo
Today · 4.125%
HK$27,292
baseline
▲ 0.50% · 4.625%
HK$28,730
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,584/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,154
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$27,998
−HK$859/mo
Today · 4.125%
HK$28,857
baseline
▲ 0.50% · 4.625%
HK$30,612
+HK$1,755/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,714/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,208
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,019
−HK$821/mo
Today · 4.125%
HK$31,840
baseline
▲ 0.50% · 4.625%
HK$33,519
+HK$1,679/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,680/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,912
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,998
−HK$1,103/mo
Today · 4.125%
HK$37,101
baseline
▲ 0.50% · 4.625%
HK$39,359
+HK$2,258/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,202/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,839
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,881
−HK$1,057/mo
Today · 4.125%
HK$40,938
baseline
▲ 0.50% · 4.625%
HK$43,096
+HK$2,158/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,876/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,177 · 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).