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$19,361
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,964
−HK$612/mo
Today · 4.125%
HK$20,576
baseline
▲ 0.50% · 4.625%
HK$21,827
+HK$1,251/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,152/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,539
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,117
−HK$586/mo
Today · 4.125%
HK$22,703
baseline
▲ 0.50% · 4.625%
HK$23,900
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,406/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,234
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,956
−HK$735/mo
Today · 4.125%
HK$24,691
baseline
▲ 0.50% · 4.625%
HK$26,193
+HK$1,502/mo
Deposit HK$3.40M · loan HK$5.09M · min. income ≈ HK$49,382/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,847
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,540
−HK$704/mo
Today · 4.125%
HK$27,244
baseline
▲ 0.50% · 4.625%
HK$28,680
+HK$1,436/mo
Deposit HK$3.40M · loan HK$5.09M · min. income ≈ HK$54,488/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,106
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,949
−HK$857/mo
Today · 4.125%
HK$28,806
baseline
▲ 0.50% · 4.625%
HK$30,558
+HK$1,752/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,612/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,155
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,964
−HK$820/mo
Today · 4.125%
HK$31,784
baseline
▲ 0.50% · 4.625%
HK$33,460
+HK$1,676/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,568/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,850
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,935
−HK$1,101/mo
Today · 4.125%
HK$37,036
baseline
▲ 0.50% · 4.625%
HK$39,289
+HK$2,253/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,072/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,771
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,811
−HK$1,054/mo
Today · 4.125%
HK$40,865
baseline
▲ 0.50% · 4.625%
HK$43,020
+HK$2,155/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,730/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,727 · 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).