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$18,994
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,585
−HK$600/mo
Today · 4.125%
HK$20,185
baseline
▲ 0.50% · 4.625%
HK$21,413
+HK$1,228/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,370/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,130
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,697
−HK$575/mo
Today · 4.125%
HK$22,272
baseline
▲ 0.50% · 4.625%
HK$23,446
+HK$1,174/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,544/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,793
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,501
−HK$721/mo
Today · 4.125%
HK$24,222
baseline
▲ 0.50% · 4.625%
HK$25,696
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,444/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,356
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,036
−HK$690/mo
Today · 4.125%
HK$26,726
baseline
▲ 0.50% · 4.625%
HK$28,135
+HK$1,409/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,452/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,591
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,418
−HK$841/mo
Today · 4.125%
HK$28,259
baseline
▲ 0.50% · 4.625%
HK$29,978
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,518/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,583
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,376
−HK$805/mo
Today · 4.125%
HK$31,181
baseline
▲ 0.50% · 4.625%
HK$32,824
+HK$1,643/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,362/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,189
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,252
−HK$1,081/mo
Today · 4.125%
HK$36,333
baseline
▲ 0.50% · 4.625%
HK$38,543
+HK$2,210/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,666/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,035
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,055
−HK$1,035/mo
Today · 4.125%
HK$40,090
baseline
▲ 0.50% · 4.625%
HK$42,203
+HK$2,113/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,180/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,890 · 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).