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$19,012
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,604
−HK$601/mo
Today · 4.125%
HK$20,205
baseline
▲ 0.50% · 4.625%
HK$21,434
+HK$1,229/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,410/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,151
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,718
−HK$576/mo
Today · 4.125%
HK$22,294
baseline
▲ 0.50% · 4.625%
HK$23,469
+HK$1,175/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,588/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,815
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,525
−HK$721/mo
Today · 4.125%
HK$24,246
baseline
▲ 0.50% · 4.625%
HK$25,721
+HK$1,475/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$48,492/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,381
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,062
−HK$691/mo
Today · 4.125%
HK$26,753
baseline
▲ 0.50% · 4.625%
HK$28,163
+HK$1,410/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$53,506/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,617
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,445
−HK$842/mo
Today · 4.125%
HK$28,287
baseline
▲ 0.50% · 4.625%
HK$30,008
+HK$1,721/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,574/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,612
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,406
−HK$806/mo
Today · 4.125%
HK$31,212
baseline
▲ 0.50% · 4.625%
HK$32,857
+HK$1,645/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,424/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,222
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,287
−HK$1,082/mo
Today · 4.125%
HK$36,369
baseline
▲ 0.50% · 4.625%
HK$38,581
+HK$2,212/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$72,738/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,072
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,093
−HK$1,036/mo
Today · 4.125%
HK$40,129
baseline
▲ 0.50% · 4.625%
HK$42,244
+HK$2,115/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$80,258/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,137 · 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).