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$19,010
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,601
−HK$601/mo
Today · 4.125%
HK$20,202
baseline
▲ 0.50% · 4.625%
HK$21,431
+HK$1,229/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,404/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,148
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,715
−HK$576/mo
Today · 4.125%
HK$22,291
baseline
▲ 0.50% · 4.625%
HK$23,465
+HK$1,174/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,582/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,811
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,521
−HK$721/mo
Today · 4.125%
HK$24,242
baseline
▲ 0.50% · 4.625%
HK$25,717
+HK$1,475/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,484/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,378
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,058
−HK$691/mo
Today · 4.125%
HK$26,749
baseline
▲ 0.50% · 4.625%
HK$28,159
+HK$1,410/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,498/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,613
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,441
−HK$841/mo
Today · 4.125%
HK$28,282
baseline
▲ 0.50% · 4.625%
HK$30,003
+HK$1,721/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,564/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,607
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,401
−HK$806/mo
Today · 4.125%
HK$31,207
baseline
▲ 0.50% · 4.625%
HK$32,852
+HK$1,645/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,414/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,217
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,282
−HK$1,081/mo
Today · 4.125%
HK$36,363
baseline
▲ 0.50% · 4.625%
HK$38,576
+HK$2,213/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$72,726/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,066
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,087
−HK$1,036/mo
Today · 4.125%
HK$40,123
baseline
▲ 0.50% · 4.625%
HK$42,238
+HK$2,115/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$80,246/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,098 · 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).