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$19,011
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,602
−HK$601/mo
Today · 4.125%
HK$20,203
baseline
▲ 0.50% · 4.625%
HK$21,432
+HK$1,229/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,406/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,149
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,716
−HK$576/mo
Today · 4.125%
HK$22,292
baseline
▲ 0.50% · 4.625%
HK$23,467
+HK$1,175/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,584/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,813
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,523
−HK$720/mo
Today · 4.125%
HK$24,243
baseline
▲ 0.50% · 4.625%
HK$25,719
+HK$1,476/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,486/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,379
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,060
−HK$690/mo
Today · 4.125%
HK$26,750
baseline
▲ 0.50% · 4.625%
HK$28,160
+HK$1,410/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,500/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,615
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,443
−HK$841/mo
Today · 4.125%
HK$28,284
baseline
▲ 0.50% · 4.625%
HK$30,005
+HK$1,721/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,568/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,609
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,403
−HK$806/mo
Today · 4.125%
HK$31,209
baseline
▲ 0.50% · 4.625%
HK$32,854
+HK$1,645/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,418/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,219
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,284
−HK$1,081/mo
Today · 4.125%
HK$36,365
baseline
▲ 0.50% · 4.625%
HK$38,578
+HK$2,213/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$72,730/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,069
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,090
−HK$1,035/mo
Today · 4.125%
HK$40,125
baseline
▲ 0.50% · 4.625%
HK$42,240
+HK$2,115/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$80,250/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,114 · 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).