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$18,996
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,587
−HK$600/mo
Today · 4.125%
HK$20,187
baseline
▲ 0.50% · 4.625%
HK$21,415
+HK$1,228/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,374/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$249,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,133
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,700
−HK$574/mo
Today · 4.125%
HK$22,274
baseline
▲ 0.50% · 4.625%
HK$23,449
+HK$1,175/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,548/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$249,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,795
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,504
−HK$721/mo
Today · 4.125%
HK$24,225
baseline
▲ 0.50% · 4.625%
HK$25,699
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,450/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,359
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,039
−HK$690/mo
Today · 4.125%
HK$26,729
baseline
▲ 0.50% · 4.625%
HK$28,138
+HK$1,409/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,458/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,594
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,421
−HK$841/mo
Today · 4.125%
HK$28,262
baseline
▲ 0.50% · 4.625%
HK$29,982
+HK$1,720/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,524/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,586
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,379
−HK$805/mo
Today · 4.125%
HK$31,184
baseline
▲ 0.50% · 4.625%
HK$32,828
+HK$1,644/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,368/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,193
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,256
−HK$1,081/mo
Today · 4.125%
HK$36,337
baseline
▲ 0.50% · 4.625%
HK$38,548
+HK$2,211/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,674/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,039
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,059
−HK$1,035/mo
Today · 4.125%
HK$40,094
baseline
▲ 0.50% · 4.625%
HK$42,207
+HK$2,113/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,188/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,918 · 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).