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$18,999
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,590
−HK$600/mo
Today · 4.125%
HK$20,190
baseline
▲ 0.50% · 4.625%
HK$21,419
+HK$1,229/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,380/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$249,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,136
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,703
−HK$575/mo
Today · 4.125%
HK$22,278
baseline
▲ 0.50% · 4.625%
HK$23,452
+HK$1,174/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,556/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$249,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,799
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,508
−HK$720/mo
Today · 4.125%
HK$24,228
baseline
▲ 0.50% · 4.625%
HK$25,703
+HK$1,475/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,456/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,363
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,044
−HK$690/mo
Today · 4.125%
HK$26,734
baseline
▲ 0.50% · 4.625%
HK$28,143
+HK$1,409/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,468/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,598
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,426
−HK$840/mo
Today · 4.125%
HK$28,266
baseline
▲ 0.50% · 4.625%
HK$29,986
+HK$1,720/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,532/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,591
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,384
−HK$805/mo
Today · 4.125%
HK$31,189
baseline
▲ 0.50% · 4.625%
HK$32,833
+HK$1,644/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,378/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,198
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,262
−HK$1,081/mo
Today · 4.125%
HK$36,343
baseline
▲ 0.50% · 4.625%
HK$38,554
+HK$2,211/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,686/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,045
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,065
−HK$1,035/mo
Today · 4.125%
HK$40,100
baseline
▲ 0.50% · 4.625%
HK$42,214
+HK$2,114/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,200/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,958 · 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).