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$19,013
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,604
−HK$601/mo
Today · 4.125%
HK$20,205
baseline
▲ 0.50% · 4.625%
HK$21,435
+HK$1,230/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,410/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,152
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,719
−HK$576/mo
Today · 4.125%
HK$22,295
baseline
▲ 0.50% · 4.625%
HK$23,470
+HK$1,175/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,590/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,816
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,525
−HK$721/mo
Today · 4.125%
HK$24,246
baseline
▲ 0.50% · 4.625%
HK$25,722
+HK$1,476/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$48,492/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,382
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,063
−HK$690/mo
Today · 4.125%
HK$26,753
baseline
▲ 0.50% · 4.625%
HK$28,164
+HK$1,411/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$53,506/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,618
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,446
−HK$841/mo
Today · 4.125%
HK$28,287
baseline
▲ 0.50% · 4.625%
HK$30,009
+HK$1,722/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,574/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,612
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,407
−HK$805/mo
Today · 4.125%
HK$31,212
baseline
▲ 0.50% · 4.625%
HK$32,858
+HK$1,646/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,424/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,223
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,288
−HK$1,082/mo
Today · 4.125%
HK$36,370
baseline
▲ 0.50% · 4.625%
HK$38,583
+HK$2,213/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$72,740/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,073
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,094
−HK$1,036/mo
Today · 4.125%
HK$40,130
baseline
▲ 0.50% · 4.625%
HK$42,245
+HK$2,115/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$80,260/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,143 · 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).