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$19,015
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,607
−HK$600/mo
Today · 4.125%
HK$20,207
baseline
▲ 0.50% · 4.625%
HK$21,437
+HK$1,230/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,414/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,154
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,721
−HK$576/mo
Today · 4.125%
HK$22,297
baseline
▲ 0.50% · 4.625%
HK$23,472
+HK$1,175/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,594/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,818
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,528
−HK$721/mo
Today · 4.125%
HK$24,249
baseline
▲ 0.50% · 4.625%
HK$25,724
+HK$1,475/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$48,498/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,385
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,066
−HK$690/mo
Today · 4.125%
HK$26,756
baseline
▲ 0.50% · 4.625%
HK$28,167
+HK$1,411/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$53,512/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,621
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,449
−HK$841/mo
Today · 4.125%
HK$28,290
baseline
▲ 0.50% · 4.625%
HK$30,012
+HK$1,722/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,580/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,616
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,410
−HK$806/mo
Today · 4.125%
HK$31,216
baseline
▲ 0.50% · 4.625%
HK$32,861
+HK$1,645/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,432/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,227
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,292
−HK$1,081/mo
Today · 4.125%
HK$36,373
baseline
▲ 0.50% · 4.625%
HK$38,587
+HK$2,214/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$72,746/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,077
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,099
−HK$1,036/mo
Today · 4.125%
HK$40,135
baseline
▲ 0.50% · 4.625%
HK$42,250
+HK$2,115/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$80,270/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,171 · 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).