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$19,008
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,599
−HK$601/mo
Today · 4.125%
HK$20,200
baseline
▲ 0.50% · 4.625%
HK$21,429
+HK$1,229/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,400/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,146
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,713
−HK$576/mo
Today · 4.125%
HK$22,289
baseline
▲ 0.50% · 4.625%
HK$23,464
+HK$1,175/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,578/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,810
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,519
−HK$721/mo
Today · 4.125%
HK$24,240
baseline
▲ 0.50% · 4.625%
HK$25,715
+HK$1,475/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,480/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,376
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,056
−HK$691/mo
Today · 4.125%
HK$26,747
baseline
▲ 0.50% · 4.625%
HK$28,156
+HK$1,409/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,494/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,611
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,439
−HK$841/mo
Today · 4.125%
HK$28,280
baseline
▲ 0.50% · 4.625%
HK$30,001
+HK$1,721/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,560/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,605
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,399
−HK$805/mo
Today · 4.125%
HK$31,204
baseline
▲ 0.50% · 4.625%
HK$32,849
+HK$1,645/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,408/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,215
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,279
−HK$1,081/mo
Today · 4.125%
HK$36,360
baseline
▲ 0.50% · 4.625%
HK$38,572
+HK$2,212/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$72,720/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,063
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,084
−HK$1,036/mo
Today · 4.125%
HK$40,120
baseline
▲ 0.50% · 4.625%
HK$42,235
+HK$2,115/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$80,240/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,079 · 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).