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$18,990
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,580
−HK$601/mo
Today · 4.125%
HK$20,181
baseline
▲ 0.50% · 4.625%
HK$21,408
+HK$1,227/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$249,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,126
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,692
−HK$575/mo
Today · 4.125%
HK$22,267
baseline
▲ 0.50% · 4.625%
HK$23,441
+HK$1,174/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,534/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,788
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,496
−HK$721/mo
Today · 4.125%
HK$24,217
baseline
▲ 0.50% · 4.625%
HK$25,690
+HK$1,473/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,434/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,351
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,031
−HK$690/mo
Today · 4.125%
HK$26,721
baseline
▲ 0.50% · 4.625%
HK$28,129
+HK$1,408/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,442/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,586
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,413
−HK$840/mo
Today · 4.125%
HK$28,253
baseline
▲ 0.50% · 4.625%
HK$29,972
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,506/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,576
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,369
−HK$805/mo
Today · 4.125%
HK$31,174
baseline
▲ 0.50% · 4.625%
HK$32,817
+HK$1,643/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,348/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,181
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,245
−HK$1,080/mo
Today · 4.125%
HK$36,325
baseline
▲ 0.50% · 4.625%
HK$38,535
+HK$2,210/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,650/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,027
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,046
−HK$1,035/mo
Today · 4.125%
HK$40,081
baseline
▲ 0.50% · 4.625%
HK$42,194
+HK$2,113/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,162/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,837 · 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).