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$19,020
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,611
−HK$602/mo
Today · 4.125%
HK$20,213
baseline
▲ 0.50% · 4.625%
HK$21,442
+HK$1,229/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,426/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,159
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,727
−HK$576/mo
Today · 4.125%
HK$22,303
baseline
▲ 0.50% · 4.625%
HK$23,478
+HK$1,175/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,606/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,824
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,534
−HK$721/mo
Today · 4.125%
HK$24,255
baseline
▲ 0.50% · 4.625%
HK$25,731
+HK$1,476/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$48,510/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,391
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,072
−HK$691/mo
Today · 4.125%
HK$26,763
baseline
▲ 0.50% · 4.625%
HK$28,174
+HK$1,411/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$53,526/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,628
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,456
−HK$842/mo
Today · 4.125%
HK$28,298
baseline
▲ 0.50% · 4.625%
HK$30,019
+HK$1,721/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,596/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,623
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,418
−HK$806/mo
Today · 4.125%
HK$31,224
baseline
▲ 0.50% · 4.625%
HK$32,869
+HK$1,645/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,448/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,236
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,301
−HK$1,082/mo
Today · 4.125%
HK$36,383
baseline
▲ 0.50% · 4.625%
HK$38,596
+HK$2,213/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$72,766/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,087
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,108
−HK$1,037/mo
Today · 4.125%
HK$40,145
baseline
▲ 0.50% · 4.625%
HK$42,261
+HK$2,116/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$80,290/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,234 · 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).