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$19,378
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,981
−HK$612/mo
Today · 4.125%
HK$20,593
baseline
▲ 0.50% · 4.625%
HK$21,847
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,186/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,558
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,136
−HK$587/mo
Today · 4.125%
HK$22,723
baseline
▲ 0.50% · 4.625%
HK$23,921
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,446/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,254
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,977
−HK$735/mo
Today · 4.125%
HK$24,712
baseline
▲ 0.50% · 4.625%
HK$26,216
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,424/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,870
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,564
−HK$703/mo
Today · 4.125%
HK$27,267
baseline
▲ 0.50% · 4.625%
HK$28,705
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,534/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,130
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,973
−HK$858/mo
Today · 4.125%
HK$28,831
baseline
▲ 0.50% · 4.625%
HK$30,585
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,662/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,181
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,991
−HK$821/mo
Today · 4.125%
HK$31,812
baseline
▲ 0.50% · 4.625%
HK$33,489
+HK$1,677/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,624/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,881
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,966
−HK$1,102/mo
Today · 4.125%
HK$37,068
baseline
▲ 0.50% · 4.625%
HK$39,324
+HK$2,256/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,136/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,805
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,845
−HK$1,056/mo
Today · 4.125%
HK$40,901
baseline
▲ 0.50% · 4.625%
HK$43,057
+HK$2,156/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,802/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,949 · 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).