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$19,382
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,985
−HK$613/mo
Today · 4.125%
HK$20,598
baseline
▲ 0.50% · 4.625%
HK$21,851
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,196/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,563
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,141
−HK$587/mo
Today · 4.125%
HK$22,728
baseline
▲ 0.50% · 4.625%
HK$23,926
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,456/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,259
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,982
−HK$735/mo
Today · 4.125%
HK$24,717
baseline
▲ 0.50% · 4.625%
HK$26,221
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,434/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,875
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,569
−HK$704/mo
Today · 4.125%
HK$27,273
baseline
▲ 0.50% · 4.625%
HK$28,711
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,546/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,135
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,979
−HK$858/mo
Today · 4.125%
HK$28,837
baseline
▲ 0.50% · 4.625%
HK$30,592
+HK$1,755/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,674/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,188
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,997
−HK$822/mo
Today · 4.125%
HK$31,819
baseline
▲ 0.50% · 4.625%
HK$33,496
+HK$1,677/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,638/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,888
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,973
−HK$1,103/mo
Today · 4.125%
HK$37,076
baseline
▲ 0.50% · 4.625%
HK$39,332
+HK$2,256/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,152/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,813
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,854
−HK$1,056/mo
Today · 4.125%
HK$40,910
baseline
▲ 0.50% · 4.625%
HK$43,066
+HK$2,156/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,820/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,003 · 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).