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$18,986
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,576
−HK$600/mo
Today · 4.125%
HK$20,176
baseline
▲ 0.50% · 4.625%
HK$21,404
+HK$1,228/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,352/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,121
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,688
−HK$574/mo
Today · 4.125%
HK$22,262
baseline
▲ 0.50% · 4.625%
HK$23,436
+HK$1,174/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,524/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,783
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,491
−HK$720/mo
Today · 4.125%
HK$24,211
baseline
▲ 0.50% · 4.625%
HK$25,685
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,422/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,346
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,025
−HK$690/mo
Today · 4.125%
HK$26,715
baseline
▲ 0.50% · 4.625%
HK$28,123
+HK$1,408/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,430/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,580
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,407
−HK$840/mo
Today · 4.125%
HK$28,247
baseline
▲ 0.50% · 4.625%
HK$29,965
+HK$1,718/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,494/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,570
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,363
−HK$804/mo
Today · 4.125%
HK$31,167
baseline
▲ 0.50% · 4.625%
HK$32,810
+HK$1,643/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,334/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,174
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,237
−HK$1,080/mo
Today · 4.125%
HK$36,317
baseline
▲ 0.50% · 4.625%
HK$38,527
+HK$2,210/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$72,634/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,018
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,038
−HK$1,034/mo
Today · 4.125%
HK$40,072
baseline
▲ 0.50% · 4.625%
HK$42,185
+HK$2,113/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$80,144/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,784 · 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).