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$19,001
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,592
−HK$600/mo
Today · 4.125%
HK$20,192
baseline
▲ 0.50% · 4.625%
HK$21,421
+HK$1,229/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,384/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$249,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,138
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,705
−HK$575/mo
Today · 4.125%
HK$22,280
baseline
▲ 0.50% · 4.625%
HK$23,455
+HK$1,175/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,560/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$249,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,801
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,510
−HK$721/mo
Today · 4.125%
HK$24,231
baseline
▲ 0.50% · 4.625%
HK$25,705
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,462/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,366
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,046
−HK$690/mo
Today · 4.125%
HK$26,736
baseline
▲ 0.50% · 4.625%
HK$28,146
+HK$1,410/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,472/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,601
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,428
−HK$841/mo
Today · 4.125%
HK$28,269
baseline
▲ 0.50% · 4.625%
HK$29,989
+HK$1,720/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,538/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,593
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,387
−HK$805/mo
Today · 4.125%
HK$31,192
baseline
▲ 0.50% · 4.625%
HK$32,836
+HK$1,644/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,384/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,201
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,265
−HK$1,081/mo
Today · 4.125%
HK$36,346
baseline
▲ 0.50% · 4.625%
HK$38,558
+HK$2,212/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,692/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,049
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,069
−HK$1,035/mo
Today · 4.125%
HK$40,104
baseline
▲ 0.50% · 4.625%
HK$42,218
+HK$2,114/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,208/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,982 · 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).