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$18,995
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,585
−HK$601/mo
Today · 4.125%
HK$20,186
baseline
▲ 0.50% · 4.625%
HK$21,414
+HK$1,228/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,372/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,131
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,698
−HK$575/mo
Today · 4.125%
HK$22,273
baseline
▲ 0.50% · 4.625%
HK$23,447
+HK$1,174/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,546/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,794
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,503
−HK$720/mo
Today · 4.125%
HK$24,223
baseline
▲ 0.50% · 4.625%
HK$25,697
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,446/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,358
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,038
−HK$690/mo
Today · 4.125%
HK$26,728
baseline
▲ 0.50% · 4.625%
HK$28,136
+HK$1,408/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,456/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,592
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,420
−HK$840/mo
Today · 4.125%
HK$28,260
baseline
▲ 0.50% · 4.625%
HK$29,980
+HK$1,720/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,520/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,584
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,377
−HK$805/mo
Today · 4.125%
HK$31,182
baseline
▲ 0.50% · 4.625%
HK$32,826
+HK$1,644/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,364/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,190
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,254
−HK$1,080/mo
Today · 4.125%
HK$36,334
baseline
▲ 0.50% · 4.625%
HK$38,545
+HK$2,211/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,668/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,036
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,057
−HK$1,034/mo
Today · 4.125%
HK$40,091
baseline
▲ 0.50% · 4.625%
HK$42,205
+HK$2,114/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,182/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,902 · 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).