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$18,998
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,589
−HK$601/mo
Today · 4.125%
HK$20,190
baseline
▲ 0.50% · 4.625%
HK$21,418
+HK$1,228/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,380/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$249,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,135
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,702
−HK$575/mo
Today · 4.125%
HK$22,277
baseline
▲ 0.50% · 4.625%
HK$23,451
+HK$1,174/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,554/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$249,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,798
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,507
−HK$720/mo
Today · 4.125%
HK$24,227
baseline
▲ 0.50% · 4.625%
HK$25,702
+HK$1,475/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,454/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,362
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,043
−HK$690/mo
Today · 4.125%
HK$26,733
baseline
▲ 0.50% · 4.625%
HK$28,142
+HK$1,409/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,466/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,597
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,425
−HK$840/mo
Today · 4.125%
HK$28,265
baseline
▲ 0.50% · 4.625%
HK$29,985
+HK$1,720/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,530/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,589
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,383
−HK$805/mo
Today · 4.125%
HK$31,188
baseline
▲ 0.50% · 4.625%
HK$32,832
+HK$1,644/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,376/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,197
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,260
−HK$1,081/mo
Today · 4.125%
HK$36,341
baseline
▲ 0.50% · 4.625%
HK$38,552
+HK$2,211/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,682/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,043
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,064
−HK$1,035/mo
Today · 4.125%
HK$40,099
baseline
▲ 0.50% · 4.625%
HK$42,213
+HK$2,114/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,198/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,948 · 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).