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$19,382
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,985
−HK$612/mo
Today · 4.125%
HK$20,597
baseline
▲ 0.50% · 4.625%
HK$21,851
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,194/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,562
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,141
−HK$586/mo
Today · 4.125%
HK$22,727
baseline
▲ 0.50% · 4.625%
HK$23,925
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,454/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,258
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,982
−HK$735/mo
Today · 4.125%
HK$24,717
baseline
▲ 0.50% · 4.625%
HK$26,221
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,434/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,875
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,569
−HK$704/mo
Today · 4.125%
HK$27,273
baseline
▲ 0.50% · 4.625%
HK$28,710
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,546/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,135
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,979
−HK$857/mo
Today · 4.125%
HK$28,836
baseline
▲ 0.50% · 4.625%
HK$30,591
+HK$1,755/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,672/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,187
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,997
−HK$821/mo
Today · 4.125%
HK$31,818
baseline
▲ 0.50% · 4.625%
HK$33,495
+HK$1,677/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,636/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,887
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,973
−HK$1,102/mo
Today · 4.125%
HK$37,075
baseline
▲ 0.50% · 4.625%
HK$39,331
+HK$2,256/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,150/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,812
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,853
−HK$1,056/mo
Today · 4.125%
HK$40,909
baseline
▲ 0.50% · 4.625%
HK$43,065
+HK$2,156/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,818/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,997 · 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).