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$19,376
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,979
−HK$612/mo
Today · 4.125%
HK$20,591
baseline
▲ 0.50% · 4.625%
HK$21,844
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,182/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,556
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,134
−HK$587/mo
Today · 4.125%
HK$22,721
baseline
▲ 0.50% · 4.625%
HK$23,918
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,442/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,252
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,975
−HK$735/mo
Today · 4.125%
HK$24,710
baseline
▲ 0.50% · 4.625%
HK$26,213
+HK$1,503/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,420/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,867
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,561
−HK$704/mo
Today · 4.125%
HK$27,265
baseline
▲ 0.50% · 4.625%
HK$28,702
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,530/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,127
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,971
−HK$857/mo
Today · 4.125%
HK$28,828
baseline
▲ 0.50% · 4.625%
HK$30,582
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,656/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,178
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,988
−HK$821/mo
Today · 4.125%
HK$31,809
baseline
▲ 0.50% · 4.625%
HK$33,485
+HK$1,676/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,618/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,877
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,962
−HK$1,102/mo
Today · 4.125%
HK$37,064
baseline
▲ 0.50% · 4.625%
HK$39,320
+HK$2,256/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,128/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,801
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,841
−HK$1,056/mo
Today · 4.125%
HK$40,897
baseline
▲ 0.50% · 4.625%
HK$43,053
+HK$2,156/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,794/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,923 · 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).