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$1,216/mo
▼ 0.25% · 3.875%
HK$20,001
−HK$613/mo
Today · 4.125%
HK$20,614
baseline
▲ 0.50% · 4.625%
HK$21,868
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,228/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,580
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,158
−HK$588/mo
Today · 4.125%
HK$22,746
baseline
▲ 0.50% · 4.625%
HK$23,945
+HK$1,199/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,492/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,277
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,001
−HK$736/mo
Today · 4.125%
HK$24,737
baseline
▲ 0.50% · 4.625%
HK$26,242
+HK$1,505/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,474/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,896
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,590
−HK$705/mo
Today · 4.125%
HK$27,295
baseline
▲ 0.50% · 4.625%
HK$28,733
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,590/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,157
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,001
−HK$859/mo
Today · 4.125%
HK$28,860
baseline
▲ 0.50% · 4.625%
HK$30,616
+HK$1,756/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,720/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,212
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,022
−HK$822/mo
Today · 4.125%
HK$31,844
baseline
▲ 0.50% · 4.625%
HK$33,522
+HK$1,678/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,688/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,916
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$36,002
−HK$1,103/mo
Today · 4.125%
HK$37,105
baseline
▲ 0.50% · 4.625%
HK$39,363
+HK$2,258/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,210/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,843
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,885
−HK$1,057/mo
Today · 4.125%
HK$40,942
baseline
▲ 0.50% · 4.625%
HK$43,100
+HK$2,158/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,884/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,204 · 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).