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$18,992
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,582
−HK$601/mo
Today · 4.125%
HK$20,183
baseline
▲ 0.50% · 4.625%
HK$21,411
+HK$1,228/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,366/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,128
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,695
−HK$574/mo
Today · 4.125%
HK$22,269
baseline
▲ 0.50% · 4.625%
HK$23,443
+HK$1,174/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,538/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,790
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,499
−HK$720/mo
Today · 4.125%
HK$24,219
baseline
▲ 0.50% · 4.625%
HK$25,693
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,438/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,354
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,033
−HK$690/mo
Today · 4.125%
HK$26,723
baseline
▲ 0.50% · 4.625%
HK$28,132
+HK$1,409/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,446/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,588
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,415
−HK$841/mo
Today · 4.125%
HK$28,256
baseline
▲ 0.50% · 4.625%
HK$29,975
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,512/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,579
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,372
−HK$805/mo
Today · 4.125%
HK$31,177
baseline
▲ 0.50% · 4.625%
HK$32,821
+HK$1,644/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,354/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,185
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,248
−HK$1,081/mo
Today · 4.125%
HK$36,329
baseline
▲ 0.50% · 4.625%
HK$38,539
+HK$2,210/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,658/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,030
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,050
−HK$1,035/mo
Today · 4.125%
HK$40,085
baseline
▲ 0.50% · 4.625%
HK$42,198
+HK$2,113/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,170/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,861 · 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).