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$19,400
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,004
−HK$613/mo
Today · 4.125%
HK$20,617
baseline
▲ 0.50% · 4.625%
HK$21,871
+HK$1,254/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,234/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,582
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,161
−HK$587/mo
Today · 4.125%
HK$22,748
baseline
▲ 0.50% · 4.625%
HK$23,948
+HK$1,200/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,496/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,280
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,004
−HK$736/mo
Today · 4.125%
HK$24,740
baseline
▲ 0.50% · 4.625%
HK$26,245
+HK$1,505/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,480/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,899
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,594
−HK$704/mo
Today · 4.125%
HK$27,298
baseline
▲ 0.50% · 4.625%
HK$28,737
+HK$1,439/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,596/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,160
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,005
−HK$858/mo
Today · 4.125%
HK$28,863
baseline
▲ 0.50% · 4.625%
HK$30,620
+HK$1,757/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,726/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,215
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,026
−HK$822/mo
Today · 4.125%
HK$31,848
baseline
▲ 0.50% · 4.625%
HK$33,527
+HK$1,679/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,696/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,920
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,006
−HK$1,104/mo
Today · 4.125%
HK$37,110
baseline
▲ 0.50% · 4.625%
HK$39,368
+HK$2,258/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,220/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,848
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,890
−HK$1,057/mo
Today · 4.125%
HK$40,947
baseline
▲ 0.50% · 4.625%
HK$43,106
+HK$2,159/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,894/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,237 · 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).