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$19,005
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,596
−HK$601/mo
Today · 4.125%
HK$20,197
baseline
▲ 0.50% · 4.625%
HK$21,426
+HK$1,229/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,394/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,143
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,710
−HK$576/mo
Today · 4.125%
HK$22,286
baseline
▲ 0.50% · 4.625%
HK$23,460
+HK$1,174/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$250,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,806
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,516
−HK$721/mo
Today · 4.125%
HK$24,237
baseline
▲ 0.50% · 4.625%
HK$25,711
+HK$1,474/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$250,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,372
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,052
−HK$691/mo
Today · 4.125%
HK$26,743
baseline
▲ 0.50% · 4.625%
HK$28,152
+HK$1,409/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$250,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,607
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,435
−HK$841/mo
Today · 4.125%
HK$28,276
baseline
▲ 0.50% · 4.625%
HK$29,996
+HK$1,720/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,552/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,601
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,394
−HK$806/mo
Today · 4.125%
HK$31,200
baseline
▲ 0.50% · 4.625%
HK$32,844
+HK$1,644/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,400/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,210
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,274
−HK$1,081/mo
Today · 4.125%
HK$36,355
baseline
▲ 0.50% · 4.625%
HK$38,567
+HK$2,212/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,710/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,058
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,078
−HK$1,036/mo
Today · 4.125%
HK$40,114
baseline
▲ 0.50% · 4.625%
HK$42,228
+HK$2,114/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,228/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,042 · 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).