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$19,402
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,006
−HK$613/mo
Today · 4.125%
HK$20,619
baseline
▲ 0.50% · 4.625%
HK$21,873
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,238/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,585
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,163
−HK$588/mo
Today · 4.125%
HK$22,751
baseline
▲ 0.50% · 4.625%
HK$23,950
+HK$1,199/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,502/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,282
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,007
−HK$735/mo
Today · 4.125%
HK$24,742
baseline
▲ 0.50% · 4.625%
HK$26,248
+HK$1,506/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$49,484/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,902
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,596
−HK$705/mo
Today · 4.125%
HK$27,301
baseline
▲ 0.50% · 4.625%
HK$28,740
+HK$1,439/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$54,602/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,163
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,008
−HK$858/mo
Today · 4.125%
HK$28,866
baseline
▲ 0.50% · 4.625%
HK$30,623
+HK$1,757/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,732/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,218
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,029
−HK$822/mo
Today · 4.125%
HK$31,851
baseline
▲ 0.50% · 4.625%
HK$33,530
+HK$1,679/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,702/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,924
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,010
−HK$1,104/mo
Today · 4.125%
HK$37,114
baseline
▲ 0.50% · 4.625%
HK$39,372
+HK$2,258/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,228/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,852
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,894
−HK$1,057/mo
Today · 4.125%
HK$40,951
baseline
▲ 0.50% · 4.625%
HK$43,110
+HK$2,159/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,902/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,262 · 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).