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$19,379
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,982
−HK$612/mo
Today · 4.125%
HK$20,594
baseline
▲ 0.50% · 4.625%
HK$21,848
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,188/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,559
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,137
−HK$587/mo
Today · 4.125%
HK$22,724
baseline
▲ 0.50% · 4.625%
HK$23,922
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,448/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,255
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,978
−HK$735/mo
Today · 4.125%
HK$24,713
baseline
▲ 0.50% · 4.625%
HK$26,217
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,426/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,871
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,565
−HK$704/mo
Today · 4.125%
HK$27,269
baseline
▲ 0.50% · 4.625%
HK$28,706
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,538/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,131
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,975
−HK$857/mo
Today · 4.125%
HK$28,832
baseline
▲ 0.50% · 4.625%
HK$30,587
+HK$1,755/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,664/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,183
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,992
−HK$822/mo
Today · 4.125%
HK$31,814
baseline
▲ 0.50% · 4.625%
HK$33,491
+HK$1,677/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,628/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,883
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,968
−HK$1,102/mo
Today · 4.125%
HK$37,070
baseline
▲ 0.50% · 4.625%
HK$39,326
+HK$2,256/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,140/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,807
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,847
−HK$1,056/mo
Today · 4.125%
HK$40,903
baseline
▲ 0.50% · 4.625%
HK$43,059
+HK$2,156/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,806/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,962 · 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).