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$19,366
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,968
−HK$612/mo
Today · 4.125%
HK$20,580
baseline
▲ 0.50% · 4.625%
HK$21,833
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,160/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,544
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,122
−HK$586/mo
Today · 4.125%
HK$22,708
baseline
▲ 0.50% · 4.625%
HK$23,905
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,416/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,239
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,962
−HK$734/mo
Today · 4.125%
HK$24,696
baseline
▲ 0.50% · 4.625%
HK$26,199
+HK$1,503/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,392/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,853
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,547
−HK$703/mo
Today · 4.125%
HK$27,250
baseline
▲ 0.50% · 4.625%
HK$28,686
+HK$1,436/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,500/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,112
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,956
−HK$856/mo
Today · 4.125%
HK$28,812
baseline
▲ 0.50% · 4.625%
HK$30,566
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,624/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,162
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,971
−HK$821/mo
Today · 4.125%
HK$31,792
baseline
▲ 0.50% · 4.625%
HK$33,467
+HK$1,675/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,584/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,859
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,943
−HK$1,102/mo
Today · 4.125%
HK$37,045
baseline
▲ 0.50% · 4.625%
HK$39,299
+HK$2,254/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,090/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,780
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,820
−HK$1,055/mo
Today · 4.125%
HK$40,875
baseline
▲ 0.50% · 4.625%
HK$43,030
+HK$2,155/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,750/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,786 · 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).