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$19,011
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,603
−HK$600/mo
Today · 4.125%
HK$20,203
baseline
▲ 0.50% · 4.625%
HK$21,433
+HK$1,230/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,406/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,150
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,717
−HK$575/mo
Today · 4.125%
HK$22,292
baseline
▲ 0.50% · 4.625%
HK$23,468
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,584/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,814
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,523
−HK$721/mo
Today · 4.125%
HK$24,244
baseline
▲ 0.50% · 4.625%
HK$25,719
+HK$1,475/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,488/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,380
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,060
−HK$691/mo
Today · 4.125%
HK$26,751
baseline
▲ 0.50% · 4.625%
HK$28,161
+HK$1,410/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,502/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,616
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,444
−HK$841/mo
Today · 4.125%
HK$28,285
baseline
▲ 0.50% · 4.625%
HK$30,006
+HK$1,721/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,570/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,610
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,404
−HK$805/mo
Today · 4.125%
HK$31,209
baseline
▲ 0.50% · 4.625%
HK$32,855
+HK$1,646/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,418/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,220
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,285
−HK$1,081/mo
Today · 4.125%
HK$36,366
baseline
▲ 0.50% · 4.625%
HK$38,579
+HK$2,213/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$72,732/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,070
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,091
−HK$1,035/mo
Today · 4.125%
HK$40,126
baseline
▲ 0.50% · 4.625%
HK$42,242
+HK$2,116/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$80,252/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,121 · 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).