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$18,999
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,590
−HK$600/mo
Today · 4.125%
HK$20,190
baseline
▲ 0.50% · 4.625%
HK$21,418
+HK$1,228/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,380/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$249,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,136
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,703
−HK$575/mo
Today · 4.125%
HK$22,278
baseline
▲ 0.50% · 4.625%
HK$23,452
+HK$1,174/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,556/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$249,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,798
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,507
−HK$721/mo
Today · 4.125%
HK$24,228
baseline
▲ 0.50% · 4.625%
HK$25,702
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,456/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,363
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,043
−HK$690/mo
Today · 4.125%
HK$26,733
baseline
▲ 0.50% · 4.625%
HK$28,142
+HK$1,409/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,466/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,598
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,425
−HK$841/mo
Today · 4.125%
HK$28,266
baseline
▲ 0.50% · 4.625%
HK$29,986
+HK$1,720/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,532/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,590
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,384
−HK$805/mo
Today · 4.125%
HK$31,189
baseline
▲ 0.50% · 4.625%
HK$32,833
+HK$1,644/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,378/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,197
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,261
−HK$1,081/mo
Today · 4.125%
HK$36,342
baseline
▲ 0.50% · 4.625%
HK$38,553
+HK$2,211/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,684/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,044
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,065
−HK$1,035/mo
Today · 4.125%
HK$40,100
baseline
▲ 0.50% · 4.625%
HK$42,213
+HK$2,113/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,200/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,954 · 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).