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$19,007
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,598
−HK$601/mo
Today · 4.125%
HK$20,199
baseline
▲ 0.50% · 4.625%
HK$21,428
+HK$1,229/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,398/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,145
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,712
−HK$575/mo
Today · 4.125%
HK$22,287
baseline
▲ 0.50% · 4.625%
HK$23,462
+HK$1,175/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,574/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,808
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,518
−HK$721/mo
Today · 4.125%
HK$24,239
baseline
▲ 0.50% · 4.625%
HK$25,713
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,478/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,374
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,055
−HK$690/mo
Today · 4.125%
HK$26,745
baseline
▲ 0.50% · 4.625%
HK$28,155
+HK$1,410/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,490/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,610
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,437
−HK$841/mo
Today · 4.125%
HK$28,278
baseline
▲ 0.50% · 4.625%
HK$29,999
+HK$1,721/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,556/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,603
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,397
−HK$805/mo
Today · 4.125%
HK$31,202
baseline
▲ 0.50% · 4.625%
HK$32,847
+HK$1,645/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,404/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,212
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,277
−HK$1,081/mo
Today · 4.125%
HK$36,358
baseline
▲ 0.50% · 4.625%
HK$38,570
+HK$2,212/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$72,716/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,061
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,082
−HK$1,035/mo
Today · 4.125%
HK$40,117
baseline
▲ 0.50% · 4.625%
HK$42,232
+HK$2,115/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$80,234/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,063 · 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).