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$19,008
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,600
−HK$600/mo
Today · 4.125%
HK$20,200
baseline
▲ 0.50% · 4.625%
HK$21,430
+HK$1,230/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,400/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,147
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,714
−HK$575/mo
Today · 4.125%
HK$22,289
baseline
▲ 0.50% · 4.625%
HK$23,464
+HK$1,175/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,578/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,810
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,520
−HK$721/mo
Today · 4.125%
HK$24,241
baseline
▲ 0.50% · 4.625%
HK$25,716
+HK$1,475/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,482/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,376
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,057
−HK$690/mo
Today · 4.125%
HK$26,747
baseline
▲ 0.50% · 4.625%
HK$28,157
+HK$1,410/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,494/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,612
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,440
−HK$841/mo
Today · 4.125%
HK$28,281
baseline
▲ 0.50% · 4.625%
HK$30,002
+HK$1,721/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,562/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,605
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,399
−HK$806/mo
Today · 4.125%
HK$31,205
baseline
▲ 0.50% · 4.625%
HK$32,850
+HK$1,645/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,410/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,215
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,280
−HK$1,081/mo
Today · 4.125%
HK$36,361
baseline
▲ 0.50% · 4.625%
HK$38,573
+HK$2,212/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$72,722/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,064
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,085
−HK$1,036/mo
Today · 4.125%
HK$40,121
baseline
▲ 0.50% · 4.625%
HK$42,235
+HK$2,114/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$80,242/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,084 · 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).