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$19,385
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,988
−HK$612/mo
Today · 4.125%
HK$20,600
baseline
▲ 0.50% · 4.625%
HK$21,854
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,200/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,565
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,144
−HK$587/mo
Today · 4.125%
HK$22,731
baseline
▲ 0.50% · 4.625%
HK$23,929
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,462/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,262
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,985
−HK$735/mo
Today · 4.125%
HK$24,720
baseline
▲ 0.50% · 4.625%
HK$26,225
+HK$1,505/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,440/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,878
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,573
−HK$704/mo
Today · 4.125%
HK$27,277
baseline
▲ 0.50% · 4.625%
HK$28,714
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,554/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,139
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,983
−HK$858/mo
Today · 4.125%
HK$28,841
baseline
▲ 0.50% · 4.625%
HK$30,595
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,682/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,192
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,001
−HK$822/mo
Today · 4.125%
HK$31,823
baseline
▲ 0.50% · 4.625%
HK$33,500
+HK$1,677/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,646/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,893
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,978
−HK$1,103/mo
Today · 4.125%
HK$37,081
baseline
▲ 0.50% · 4.625%
HK$39,337
+HK$2,256/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,162/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,818
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,859
−HK$1,056/mo
Today · 4.125%
HK$40,915
baseline
▲ 0.50% · 4.625%
HK$43,072
+HK$2,157/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,830/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,035 · 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).