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$19,398
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,002
−HK$613/mo
Today · 4.125%
HK$20,615
baseline
▲ 0.50% · 4.625%
HK$21,869
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,230/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,581
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,159
−HK$588/mo
Today · 4.125%
HK$22,747
baseline
▲ 0.50% · 4.625%
HK$23,946
+HK$1,199/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,494/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,278
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,002
−HK$736/mo
Today · 4.125%
HK$24,738
baseline
▲ 0.50% · 4.625%
HK$26,243
+HK$1,505/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,476/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,897
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,591
−HK$705/mo
Today · 4.125%
HK$27,296
baseline
▲ 0.50% · 4.625%
HK$28,735
+HK$1,439/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,592/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,158
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,003
−HK$858/mo
Today · 4.125%
HK$28,861
baseline
▲ 0.50% · 4.625%
HK$30,617
+HK$1,756/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,722/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,213
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,023
−HK$822/mo
Today · 4.125%
HK$31,845
baseline
▲ 0.50% · 4.625%
HK$33,524
+HK$1,679/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,690/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,917
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,003
−HK$1,104/mo
Today · 4.125%
HK$37,107
baseline
▲ 0.50% · 4.625%
HK$39,365
+HK$2,258/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,214/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,845
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,887
−HK$1,057/mo
Today · 4.125%
HK$40,944
baseline
▲ 0.50% · 4.625%
HK$43,102
+HK$2,158/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,888/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,215 · 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).