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$19,004
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,595
−HK$601/mo
Today · 4.125%
HK$20,196
baseline
▲ 0.50% · 4.625%
HK$21,425
+HK$1,229/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,392/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,142
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,709
−HK$575/mo
Today · 4.125%
HK$22,284
baseline
▲ 0.50% · 4.625%
HK$23,459
+HK$1,175/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,568/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,805
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,515
−HK$720/mo
Today · 4.125%
HK$24,235
baseline
▲ 0.50% · 4.625%
HK$25,710
+HK$1,475/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,470/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,371
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,051
−HK$690/mo
Today · 4.125%
HK$26,741
baseline
▲ 0.50% · 4.625%
HK$28,151
+HK$1,410/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,482/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,606
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,434
−HK$841/mo
Today · 4.125%
HK$28,275
baseline
▲ 0.50% · 4.625%
HK$29,995
+HK$1,720/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,550/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,599
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,393
−HK$805/mo
Today · 4.125%
HK$31,198
baseline
▲ 0.50% · 4.625%
HK$32,843
+HK$1,645/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,396/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,208
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,272
−HK$1,081/mo
Today · 4.125%
HK$36,353
baseline
▲ 0.50% · 4.625%
HK$38,565
+HK$2,212/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,706/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,056
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,076
−HK$1,036/mo
Today · 4.125%
HK$40,112
baseline
▲ 0.50% · 4.625%
HK$42,226
+HK$2,114/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,224/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,029 · 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).