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$19,021
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,612
−HK$601/mo
Today · 4.125%
HK$20,213
baseline
▲ 0.50% · 4.625%
HK$21,443
+HK$1,230/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,426/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,160
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,728
−HK$576/mo
Today · 4.125%
HK$22,304
baseline
▲ 0.50% · 4.625%
HK$23,479
+HK$1,175/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,608/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,825
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,535
−HK$721/mo
Today · 4.125%
HK$24,256
baseline
▲ 0.50% · 4.625%
HK$25,732
+HK$1,476/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$48,512/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,392
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,073
−HK$691/mo
Today · 4.125%
HK$26,764
baseline
▲ 0.50% · 4.625%
HK$28,175
+HK$1,411/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$53,528/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,629
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,457
−HK$842/mo
Today · 4.125%
HK$28,299
baseline
▲ 0.50% · 4.625%
HK$30,021
+HK$1,722/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,598/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,624
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,419
−HK$806/mo
Today · 4.125%
HK$31,225
baseline
▲ 0.50% · 4.625%
HK$32,871
+HK$1,646/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,450/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,237
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,302
−HK$1,082/mo
Today · 4.125%
HK$36,384
baseline
▲ 0.50% · 4.625%
HK$38,598
+HK$2,214/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$72,768/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,089
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,110
−HK$1,036/mo
Today · 4.125%
HK$40,146
baseline
▲ 0.50% · 4.625%
HK$42,263
+HK$2,117/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$80,292/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,245 · 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).