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$19,007
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,599
−HK$600/mo
Today · 4.125%
HK$20,199
baseline
▲ 0.50% · 4.625%
HK$21,428
+HK$1,229/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,398/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,146
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,713
−HK$575/mo
Today · 4.125%
HK$22,288
baseline
▲ 0.50% · 4.625%
HK$23,463
+HK$1,175/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,576/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,809
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,518
−HK$721/mo
Today · 4.125%
HK$24,239
baseline
▲ 0.50% · 4.625%
HK$25,714
+HK$1,475/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,478/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,375
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,055
−HK$691/mo
Today · 4.125%
HK$26,746
baseline
▲ 0.50% · 4.625%
HK$28,155
+HK$1,409/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,492/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,610
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,438
−HK$841/mo
Today · 4.125%
HK$28,279
baseline
▲ 0.50% · 4.625%
HK$30,000
+HK$1,721/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,558/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,604
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,398
−HK$805/mo
Today · 4.125%
HK$31,203
baseline
▲ 0.50% · 4.625%
HK$32,848
+HK$1,645/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,406/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,213
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,278
−HK$1,081/mo
Today · 4.125%
HK$36,359
baseline
▲ 0.50% · 4.625%
HK$38,571
+HK$2,212/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$72,718/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,062
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,083
−HK$1,035/mo
Today · 4.125%
HK$40,118
baseline
▲ 0.50% · 4.625%
HK$42,233
+HK$2,115/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$80,236/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,070 · 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).