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$18,987
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,577
−HK$600/mo
Today · 4.125%
HK$20,177
baseline
▲ 0.50% · 4.625%
HK$21,405
+HK$1,228/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,354/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,122
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,689
−HK$575/mo
Today · 4.125%
HK$22,264
baseline
▲ 0.50% · 4.625%
HK$23,437
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,528/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,784
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,493
−HK$720/mo
Today · 4.125%
HK$24,213
baseline
▲ 0.50% · 4.625%
HK$25,686
+HK$1,473/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,426/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,347
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,027
−HK$689/mo
Today · 4.125%
HK$26,716
baseline
▲ 0.50% · 4.625%
HK$28,125
+HK$1,409/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,432/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,581
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,408
−HK$840/mo
Today · 4.125%
HK$28,248
baseline
▲ 0.50% · 4.625%
HK$29,967
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,496/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,571
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,365
−HK$804/mo
Today · 4.125%
HK$31,169
baseline
▲ 0.50% · 4.625%
HK$32,812
+HK$1,643/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,338/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,176
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,239
−HK$1,080/mo
Today · 4.125%
HK$36,319
baseline
▲ 0.50% · 4.625%
HK$38,529
+HK$2,210/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$72,638/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,020
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,040
−HK$1,035/mo
Today · 4.125%
HK$40,075
baseline
▲ 0.50% · 4.625%
HK$42,187
+HK$2,112/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$80,150/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,797 · 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).