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$19,368
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,971
−HK$612/mo
Today · 4.125%
HK$20,583
baseline
▲ 0.50% · 4.625%
HK$21,835
+HK$1,252/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,166/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,547
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,125
−HK$586/mo
Today · 4.125%
HK$22,711
baseline
▲ 0.50% · 4.625%
HK$23,908
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,422/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,242
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,965
−HK$734/mo
Today · 4.125%
HK$24,699
baseline
▲ 0.50% · 4.625%
HK$26,202
+HK$1,503/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,398/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,856
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,550
−HK$703/mo
Today · 4.125%
HK$27,253
baseline
▲ 0.50% · 4.625%
HK$28,690
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,506/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,115
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,959
−HK$857/mo
Today · 4.125%
HK$28,816
baseline
▲ 0.50% · 4.625%
HK$30,569
+HK$1,753/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,632/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,166
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,975
−HK$820/mo
Today · 4.125%
HK$31,795
baseline
▲ 0.50% · 4.625%
HK$33,471
+HK$1,676/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,590/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,863
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,947
−HK$1,102/mo
Today · 4.125%
HK$37,049
baseline
▲ 0.50% · 4.625%
HK$39,303
+HK$2,254/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,098/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,784
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,824
−HK$1,056/mo
Today · 4.125%
HK$40,880
baseline
▲ 0.50% · 4.625%
HK$43,034
+HK$2,154/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,760/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,815 · 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).