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$19,017
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,609
−HK$601/mo
Today · 4.125%
HK$20,210
baseline
▲ 0.50% · 4.625%
HK$21,439
+HK$1,229/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,420/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,156
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,724
−HK$575/mo
Today · 4.125%
HK$22,299
baseline
▲ 0.50% · 4.625%
HK$23,475
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,598/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,821
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,530
−HK$722/mo
Today · 4.125%
HK$24,252
baseline
▲ 0.50% · 4.625%
HK$25,727
+HK$1,475/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$48,504/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,388
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,069
−HK$690/mo
Today · 4.125%
HK$26,759
baseline
▲ 0.50% · 4.625%
HK$28,170
+HK$1,411/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$53,518/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,624
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,452
−HK$842/mo
Today · 4.125%
HK$28,294
baseline
▲ 0.50% · 4.625%
HK$30,015
+HK$1,721/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,588/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,619
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,413
−HK$806/mo
Today · 4.125%
HK$31,219
baseline
▲ 0.50% · 4.625%
HK$32,865
+HK$1,646/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,438/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,231
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,296
−HK$1,082/mo
Today · 4.125%
HK$36,378
baseline
▲ 0.50% · 4.625%
HK$38,591
+HK$2,213/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$72,756/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,082
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,103
−HK$1,036/mo
Today · 4.125%
HK$40,139
baseline
▲ 0.50% · 4.625%
HK$42,255
+HK$2,116/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$80,278/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,198 · 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).