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$18,988
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,579
−HK$600/mo
Today · 4.125%
HK$20,179
baseline
▲ 0.50% · 4.625%
HK$21,407
+HK$1,228/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,358/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,124
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,690
−HK$575/mo
Today · 4.125%
HK$22,265
baseline
▲ 0.50% · 4.625%
HK$23,439
+HK$1,174/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,530/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,786
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,494
−HK$720/mo
Today · 4.125%
HK$24,214
baseline
▲ 0.50% · 4.625%
HK$25,688
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,428/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,349
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,029
−HK$689/mo
Today · 4.125%
HK$26,718
baseline
▲ 0.50% · 4.625%
HK$28,127
+HK$1,409/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,436/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,583
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,410
−HK$840/mo
Today · 4.125%
HK$28,250
baseline
▲ 0.50% · 4.625%
HK$29,969
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,500/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,574
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,367
−HK$804/mo
Today · 4.125%
HK$31,171
baseline
▲ 0.50% · 4.625%
HK$32,814
+HK$1,643/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,342/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,178
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,242
−HK$1,080/mo
Today · 4.125%
HK$36,322
baseline
▲ 0.50% · 4.625%
HK$38,532
+HK$2,210/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$72,644/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,023
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,043
−HK$1,034/mo
Today · 4.125%
HK$40,077
baseline
▲ 0.50% · 4.625%
HK$42,190
+HK$2,113/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$80,154/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,814 · 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).