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$19,006
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,597
−HK$601/mo
Today · 4.125%
HK$20,198
baseline
▲ 0.50% · 4.625%
HK$21,427
+HK$1,229/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,396/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,144
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,711
−HK$575/mo
Today · 4.125%
HK$22,286
baseline
▲ 0.50% · 4.625%
HK$23,461
+HK$1,175/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,572/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,807
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,516
−HK$721/mo
Today · 4.125%
HK$24,237
baseline
▲ 0.50% · 4.625%
HK$25,712
+HK$1,475/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,474/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,373
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,053
−HK$690/mo
Today · 4.125%
HK$26,743
baseline
▲ 0.50% · 4.625%
HK$28,153
+HK$1,410/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,486/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,608
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,436
−HK$841/mo
Today · 4.125%
HK$28,277
baseline
▲ 0.50% · 4.625%
HK$29,997
+HK$1,720/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,554/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,601
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,395
−HK$806/mo
Today · 4.125%
HK$31,201
baseline
▲ 0.50% · 4.625%
HK$32,845
+HK$1,644/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,402/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,211
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,275
−HK$1,081/mo
Today · 4.125%
HK$36,356
baseline
▲ 0.50% · 4.625%
HK$38,568
+HK$2,212/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,712/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,059
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,080
−HK$1,035/mo
Today · 4.125%
HK$40,115
baseline
▲ 0.50% · 4.625%
HK$42,230
+HK$2,115/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,230/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,050 · 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).