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$18,991
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,581
−HK$600/mo
Today · 4.125%
HK$20,181
baseline
▲ 0.50% · 4.625%
HK$21,409
+HK$1,228/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,362/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,127
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,693
−HK$575/mo
Today · 4.125%
HK$22,268
baseline
▲ 0.50% · 4.625%
HK$23,442
+HK$1,174/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,536/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,789
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,498
−HK$720/mo
Today · 4.125%
HK$24,218
baseline
▲ 0.50% · 4.625%
HK$25,691
+HK$1,473/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,436/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,352
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,032
−HK$690/mo
Today · 4.125%
HK$26,722
baseline
▲ 0.50% · 4.625%
HK$28,130
+HK$1,408/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,444/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,587
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,414
−HK$840/mo
Today · 4.125%
HK$28,254
baseline
▲ 0.50% · 4.625%
HK$29,973
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,508/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,578
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,371
−HK$804/mo
Today · 4.125%
HK$31,175
baseline
▲ 0.50% · 4.625%
HK$32,819
+HK$1,644/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,350/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,183
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,246
−HK$1,081/mo
Today · 4.125%
HK$36,327
baseline
▲ 0.50% · 4.625%
HK$38,537
+HK$2,210/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,654/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,028
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,048
−HK$1,035/mo
Today · 4.125%
HK$40,083
baseline
▲ 0.50% · 4.625%
HK$42,196
+HK$2,113/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,166/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,848 · 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).