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$19,002
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,593
−HK$601/mo
Today · 4.125%
HK$20,194
baseline
▲ 0.50% · 4.625%
HK$21,423
+HK$1,229/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,388/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,140
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,707
−HK$575/mo
Today · 4.125%
HK$22,282
baseline
▲ 0.50% · 4.625%
HK$23,456
+HK$1,174/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,564/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,803
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,512
−HK$721/mo
Today · 4.125%
HK$24,233
baseline
▲ 0.50% · 4.625%
HK$25,707
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,466/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,368
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,048
−HK$690/mo
Today · 4.125%
HK$26,738
baseline
▲ 0.50% · 4.625%
HK$28,148
+HK$1,410/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,476/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$250,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,603
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,431
−HK$840/mo
Today · 4.125%
HK$28,271
baseline
▲ 0.50% · 4.625%
HK$29,992
+HK$1,721/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,542/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,596
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,389
−HK$806/mo
Today · 4.125%
HK$31,195
baseline
▲ 0.50% · 4.625%
HK$32,839
+HK$1,644/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,390/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,204
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,268
−HK$1,081/mo
Today · 4.125%
HK$36,349
baseline
▲ 0.50% · 4.625%
HK$38,561
+HK$2,212/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,698/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,052
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,072
−HK$1,035/mo
Today · 4.125%
HK$40,107
baseline
▲ 0.50% · 4.625%
HK$42,222
+HK$2,115/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,214/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,002 · 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).