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$1,191/mo
▼ 0.25% · 3.875%
HK$19,589
−HK$600/mo
Today · 4.125%
HK$20,189
baseline
▲ 0.50% · 4.625%
HK$21,417
+HK$1,228/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,378/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$249,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,135
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,701
−HK$575/mo
Today · 4.125%
HK$22,276
baseline
▲ 0.50% · 4.625%
HK$23,451
+HK$1,175/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,552/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$249,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,797
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,506
−HK$721/mo
Today · 4.125%
HK$24,227
baseline
▲ 0.50% · 4.625%
HK$25,701
+HK$1,474/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$249,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,362
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,042
−HK$690/mo
Today · 4.125%
HK$26,732
baseline
▲ 0.50% · 4.625%
HK$28,141
+HK$1,409/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,464/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,597
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,424
−HK$840/mo
Today · 4.125%
HK$28,264
baseline
▲ 0.50% · 4.625%
HK$29,984
+HK$1,720/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,528/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,588
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,382
−HK$805/mo
Today · 4.125%
HK$31,187
baseline
▲ 0.50% · 4.625%
HK$32,831
+HK$1,644/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,374/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,196
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,259
−HK$1,081/mo
Today · 4.125%
HK$36,340
baseline
▲ 0.50% · 4.625%
HK$38,551
+HK$2,211/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,680/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,042
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,063
−HK$1,035/mo
Today · 4.125%
HK$40,098
baseline
▲ 0.50% · 4.625%
HK$42,211
+HK$2,113/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,196/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,940 · 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).