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$18,989
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,579
−HK$601/mo
Today · 4.125%
HK$20,180
baseline
▲ 0.50% · 4.625%
HK$21,407
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,360/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,125
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,691
−HK$575/mo
Today · 4.125%
HK$22,266
baseline
▲ 0.50% · 4.625%
HK$23,440
+HK$1,174/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,532/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,787
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,495
−HK$720/mo
Today · 4.125%
HK$24,215
baseline
▲ 0.50% · 4.625%
HK$25,689
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,430/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,350
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,030
−HK$689/mo
Today · 4.125%
HK$26,719
baseline
▲ 0.50% · 4.625%
HK$28,128
+HK$1,409/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,438/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,584
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,411
−HK$840/mo
Today · 4.125%
HK$28,251
baseline
▲ 0.50% · 4.625%
HK$29,970
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,502/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,575
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,368
−HK$805/mo
Today · 4.125%
HK$31,173
baseline
▲ 0.50% · 4.625%
HK$32,816
+HK$1,643/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,346/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,180
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,243
−HK$1,080/mo
Today · 4.125%
HK$36,323
baseline
▲ 0.50% · 4.625%
HK$38,533
+HK$2,210/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$72,646/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,025
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,045
−HK$1,034/mo
Today · 4.125%
HK$40,079
baseline
▲ 0.50% · 4.625%
HK$42,192
+HK$2,113/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$80,158/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,825 · 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).