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$19,016
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,608
−HK$601/mo
Today · 4.125%
HK$20,209
baseline
▲ 0.50% · 4.625%
HK$21,438
+HK$1,229/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,418/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,155
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,723
−HK$575/mo
Today · 4.125%
HK$22,298
baseline
▲ 0.50% · 4.625%
HK$23,474
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,596/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,820
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,529
−HK$722/mo
Today · 4.125%
HK$24,251
baseline
▲ 0.50% · 4.625%
HK$25,726
+HK$1,475/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$48,502/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,387
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,067
−HK$691/mo
Today · 4.125%
HK$26,758
baseline
▲ 0.50% · 4.625%
HK$28,169
+HK$1,411/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$53,516/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,623
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,451
−HK$841/mo
Today · 4.125%
HK$28,292
baseline
▲ 0.50% · 4.625%
HK$30,014
+HK$1,722/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,584/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,618
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,412
−HK$806/mo
Today · 4.125%
HK$31,218
baseline
▲ 0.50% · 4.625%
HK$32,863
+HK$1,645/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,436/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,229
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,294
−HK$1,082/mo
Today · 4.125%
HK$36,376
baseline
▲ 0.50% · 4.625%
HK$38,589
+HK$2,213/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$72,752/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,080
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,101
−HK$1,036/mo
Today · 4.125%
HK$40,137
baseline
▲ 0.50% · 4.625%
HK$42,253
+HK$2,116/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$80,274/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,187 · 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).