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$19,360
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,962
−HK$612/mo
Today · 4.125%
HK$20,574
baseline
▲ 0.50% · 4.625%
HK$21,826
+HK$1,252/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,148/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,538
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,115
−HK$586/mo
Today · 4.125%
HK$22,701
baseline
▲ 0.50% · 4.625%
HK$23,898
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,402/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,232
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,954
−HK$735/mo
Today · 4.125%
HK$24,689
baseline
▲ 0.50% · 4.625%
HK$26,191
+HK$1,502/mo
Deposit HK$3.40M · loan HK$5.09M · min. income ≈ HK$49,378/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,845
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,538
−HK$704/mo
Today · 4.125%
HK$27,242
baseline
▲ 0.50% · 4.625%
HK$28,677
+HK$1,435/mo
Deposit HK$3.40M · loan HK$5.09M · min. income ≈ HK$54,484/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,104
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,947
−HK$856/mo
Today · 4.125%
HK$28,803
baseline
▲ 0.50% · 4.625%
HK$30,556
+HK$1,753/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,606/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,153
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,961
−HK$821/mo
Today · 4.125%
HK$31,782
baseline
▲ 0.50% · 4.625%
HK$33,457
+HK$1,675/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,564/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,848
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,932
−HK$1,101/mo
Today · 4.125%
HK$37,033
baseline
▲ 0.50% · 4.625%
HK$39,286
+HK$2,253/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,066/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,768
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,808
−HK$1,054/mo
Today · 4.125%
HK$40,862
baseline
▲ 0.50% · 4.625%
HK$43,016
+HK$2,154/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,724/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,707 · 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).