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$18,996
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,587
−HK$601/mo
Today · 4.125%
HK$20,188
baseline
▲ 0.50% · 4.625%
HK$21,416
+HK$1,228/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,376/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$249,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,133
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,700
−HK$575/mo
Today · 4.125%
HK$22,275
baseline
▲ 0.50% · 4.625%
HK$23,449
+HK$1,174/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,550/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$249,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,796
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,505
−HK$720/mo
Today · 4.125%
HK$24,225
baseline
▲ 0.50% · 4.625%
HK$25,699
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,450/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,360
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,040
−HK$690/mo
Today · 4.125%
HK$26,730
baseline
▲ 0.50% · 4.625%
HK$28,139
+HK$1,409/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,460/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,595
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,422
−HK$841/mo
Today · 4.125%
HK$28,263
baseline
▲ 0.50% · 4.625%
HK$29,983
+HK$1,720/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,526/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,587
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,380
−HK$805/mo
Today · 4.125%
HK$31,185
baseline
▲ 0.50% · 4.625%
HK$32,829
+HK$1,644/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,370/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,194
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,257
−HK$1,081/mo
Today · 4.125%
HK$36,338
baseline
▲ 0.50% · 4.625%
HK$38,549
+HK$2,211/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,676/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,040
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,060
−HK$1,035/mo
Today · 4.125%
HK$40,095
baseline
▲ 0.50% · 4.625%
HK$42,209
+HK$2,114/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,190/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,926 · 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).