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$18,984
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,575
−HK$600/mo
Today · 4.125%
HK$20,175
baseline
▲ 0.50% · 4.625%
HK$21,402
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,350/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,120
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,686
−HK$575/mo
Today · 4.125%
HK$22,261
baseline
▲ 0.50% · 4.625%
HK$23,434
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,522/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,781
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,489
−HK$720/mo
Today · 4.125%
HK$24,209
baseline
▲ 0.50% · 4.625%
HK$25,683
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,418/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,343
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,023
−HK$690/mo
Today · 4.125%
HK$26,713
baseline
▲ 0.50% · 4.625%
HK$28,121
+HK$1,408/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,426/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,578
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,404
−HK$840/mo
Today · 4.125%
HK$28,244
baseline
▲ 0.50% · 4.625%
HK$29,963
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,488/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,567
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,360
−HK$805/mo
Today · 4.125%
HK$31,165
baseline
▲ 0.50% · 4.625%
HK$32,808
+HK$1,643/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,330/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,171
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,234
−HK$1,080/mo
Today · 4.125%
HK$36,314
baseline
▲ 0.50% · 4.625%
HK$38,524
+HK$2,210/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$72,628/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,015
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,035
−HK$1,034/mo
Today · 4.125%
HK$40,069
baseline
▲ 0.50% · 4.625%
HK$42,181
+HK$2,112/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$80,138/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,763 · 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).