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$18,983
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,574
−HK$600/mo
Today · 4.125%
HK$20,174
baseline
▲ 0.50% · 4.625%
HK$21,401
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,348/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,119
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,685
−HK$575/mo
Today · 4.125%
HK$22,260
baseline
▲ 0.50% · 4.625%
HK$23,433
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,520/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,780
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,489
−HK$719/mo
Today · 4.125%
HK$24,208
baseline
▲ 0.50% · 4.625%
HK$25,681
+HK$1,473/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,416/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,342
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,022
−HK$690/mo
Today · 4.125%
HK$26,712
baseline
▲ 0.50% · 4.625%
HK$28,120
+HK$1,408/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,424/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,577
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,403
−HK$840/mo
Today · 4.125%
HK$28,243
baseline
▲ 0.50% · 4.625%
HK$29,962
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,486/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,566
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,359
−HK$805/mo
Today · 4.125%
HK$31,164
baseline
▲ 0.50% · 4.625%
HK$32,806
+HK$1,642/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,328/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,170
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,233
−HK$1,080/mo
Today · 4.125%
HK$36,313
baseline
▲ 0.50% · 4.625%
HK$38,522
+HK$2,209/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$72,626/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,014
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,033
−HK$1,034/mo
Today · 4.125%
HK$40,067
baseline
▲ 0.50% · 4.625%
HK$42,179
+HK$2,112/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$80,134/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,753 · 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).