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$19,018
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,609
−HK$601/mo
Today · 4.125%
HK$20,210
baseline
▲ 0.50% · 4.625%
HK$21,440
+HK$1,230/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,420/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,157
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,724
−HK$576/mo
Today · 4.125%
HK$22,300
baseline
▲ 0.50% · 4.625%
HK$23,475
+HK$1,175/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,600/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,821
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,531
−HK$721/mo
Today · 4.125%
HK$24,252
baseline
▲ 0.50% · 4.625%
HK$25,728
+HK$1,476/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$48,504/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,388
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,069
−HK$691/mo
Today · 4.125%
HK$26,760
baseline
▲ 0.50% · 4.625%
HK$28,170
+HK$1,410/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$53,520/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,625
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,453
−HK$841/mo
Today · 4.125%
HK$28,294
baseline
▲ 0.50% · 4.625%
HK$30,016
+HK$1,722/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,588/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,620
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,414
−HK$806/mo
Today · 4.125%
HK$31,220
baseline
▲ 0.50% · 4.625%
HK$32,865
+HK$1,645/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,440/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,232
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,296
−HK$1,082/mo
Today · 4.125%
HK$36,378
baseline
▲ 0.50% · 4.625%
HK$38,592
+HK$2,214/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$72,756/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,082
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,104
−HK$1,036/mo
Today · 4.125%
HK$40,140
baseline
▲ 0.50% · 4.625%
HK$42,256
+HK$2,116/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$80,280/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,203 · 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).