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$19,015
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,606
−HK$601/mo
Today · 4.125%
HK$20,207
baseline
▲ 0.50% · 4.625%
HK$21,436
+HK$1,229/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,414/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,153
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,721
−HK$575/mo
Today · 4.125%
HK$22,296
baseline
▲ 0.50% · 4.625%
HK$23,472
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,592/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,817
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,527
−HK$721/mo
Today · 4.125%
HK$24,248
baseline
▲ 0.50% · 4.625%
HK$25,724
+HK$1,476/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$48,496/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,384
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,065
−HK$691/mo
Today · 4.125%
HK$26,756
baseline
▲ 0.50% · 4.625%
HK$28,166
+HK$1,410/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$53,512/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,620
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,448
−HK$842/mo
Today · 4.125%
HK$28,290
baseline
▲ 0.50% · 4.625%
HK$30,011
+HK$1,721/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,580/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,615
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,409
−HK$806/mo
Today · 4.125%
HK$31,215
baseline
▲ 0.50% · 4.625%
HK$32,860
+HK$1,645/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,430/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,226
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,291
−HK$1,081/mo
Today · 4.125%
HK$36,372
baseline
▲ 0.50% · 4.625%
HK$38,586
+HK$2,214/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$72,744/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,076
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,097
−HK$1,036/mo
Today · 4.125%
HK$40,133
baseline
▲ 0.50% · 4.625%
HK$42,249
+HK$2,116/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$80,266/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,164 · 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).