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$1,192/mo
▼ 0.25% · 3.875%
HK$19,611
−HK$601/mo
Today · 4.125%
HK$20,212
baseline
▲ 0.50% · 4.625%
HK$21,442
+HK$1,230/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,424/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,159
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,727
−HK$575/mo
Today · 4.125%
HK$22,302
baseline
▲ 0.50% · 4.625%
HK$23,478
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,604/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,824
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,533
−HK$722/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$250,230 · 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$28,173
+HK$1,410/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$250,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,627
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,456
−HK$841/mo
Today · 4.125%
HK$28,297
baseline
▲ 0.50% · 4.625%
HK$30,019
+HK$1,722/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,594/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,623
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,417
−HK$806/mo
Today · 4.125%
HK$31,223
baseline
▲ 0.50% · 4.625%
HK$32,869
+HK$1,646/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,446/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,235
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,300
−HK$1,082/mo
Today · 4.125%
HK$36,382
baseline
▲ 0.50% · 4.625%
HK$38,596
+HK$2,214/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$72,764/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,086
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,108
−HK$1,036/mo
Today · 4.125%
HK$40,144
baseline
▲ 0.50% · 4.625%
HK$42,260
+HK$2,116/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$80,288/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,230 · 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).