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$19,019
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,610
−HK$602/mo
Today · 4.125%
HK$20,212
baseline
▲ 0.50% · 4.625%
HK$21,441
+HK$1,229/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,424/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,158
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,726
−HK$575/mo
Today · 4.125%
HK$22,301
baseline
▲ 0.50% · 4.625%
HK$23,477
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,602/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,823
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,533
−HK$721/mo
Today · 4.125%
HK$24,254
baseline
▲ 0.50% · 4.625%
HK$25,730
+HK$1,476/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$48,508/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,390
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,071
−HK$691/mo
Today · 4.125%
HK$26,762
baseline
▲ 0.50% · 4.625%
HK$28,172
+HK$1,410/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$53,524/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,626
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,455
−HK$841/mo
Today · 4.125%
HK$28,296
baseline
▲ 0.50% · 4.625%
HK$30,018
+HK$1,722/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,592/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,622
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,416
−HK$806/mo
Today · 4.125%
HK$31,222
baseline
▲ 0.50% · 4.625%
HK$32,868
+HK$1,646/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,444/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,234
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,299
−HK$1,082/mo
Today · 4.125%
HK$36,381
baseline
▲ 0.50% · 4.625%
HK$38,594
+HK$2,213/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$72,762/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,085
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,106
−HK$1,037/mo
Today · 4.125%
HK$40,143
baseline
▲ 0.50% · 4.625%
HK$42,259
+HK$2,116/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$80,286/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,221 · 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).