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$19,370
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,973
−HK$612/mo
Today · 4.125%
HK$20,585
baseline
▲ 0.50% · 4.625%
HK$21,837
+HK$1,252/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,170/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,549
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,127
−HK$586/mo
Today · 4.125%
HK$22,713
baseline
▲ 0.50% · 4.625%
HK$23,910
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,426/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,244
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,967
−HK$735/mo
Today · 4.125%
HK$24,702
baseline
▲ 0.50% · 4.625%
HK$26,205
+HK$1,503/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,404/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,859
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,552
−HK$704/mo
Today · 4.125%
HK$27,256
baseline
▲ 0.50% · 4.625%
HK$28,693
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,512/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,118
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,962
−HK$857/mo
Today · 4.125%
HK$28,819
baseline
▲ 0.50% · 4.625%
HK$30,572
+HK$1,753/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,638/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,169
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,978
−HK$821/mo
Today · 4.125%
HK$31,799
baseline
▲ 0.50% · 4.625%
HK$33,475
+HK$1,676/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,598/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,866
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,951
−HK$1,102/mo
Today · 4.125%
HK$37,053
baseline
▲ 0.50% · 4.625%
HK$39,307
+HK$2,254/mo
Deposit HK$849K · loan HK$7.65M · min. income ≈ HK$74,106/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,788
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,829
−HK$1,055/mo
Today · 4.125%
HK$40,884
baseline
▲ 0.50% · 4.625%
HK$43,039
+HK$2,155/mo
Deposit HK$849K · loan HK$7.65M · min. income ≈ HK$81,768/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,841 · 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).