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$18,987
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,578
−HK$600/mo
Today · 4.125%
HK$20,178
baseline
▲ 0.50% · 4.625%
HK$21,406
+HK$1,228/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,356/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,123
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,689
−HK$575/mo
Today · 4.125%
HK$22,264
baseline
▲ 0.50% · 4.625%
HK$23,438
+HK$1,174/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,528/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,785
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,493
−HK$720/mo
Today · 4.125%
HK$24,213
baseline
▲ 0.50% · 4.625%
HK$25,687
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,426/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,348
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,027
−HK$690/mo
Today · 4.125%
HK$26,717
baseline
▲ 0.50% · 4.625%
HK$28,125
+HK$1,408/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,434/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,582
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,409
−HK$840/mo
Today · 4.125%
HK$28,249
baseline
▲ 0.50% · 4.625%
HK$29,968
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,498/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,572
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,365
−HK$805/mo
Today · 4.125%
HK$31,170
baseline
▲ 0.50% · 4.625%
HK$32,813
+HK$1,643/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,340/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,177
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,240
−HK$1,080/mo
Today · 4.125%
HK$36,320
baseline
▲ 0.50% · 4.625%
HK$38,530
+HK$2,210/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$72,640/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,021
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,041
−HK$1,035/mo
Today · 4.125%
HK$40,076
baseline
▲ 0.50% · 4.625%
HK$42,188
+HK$2,112/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$80,152/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,803 · 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).