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$18,993
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,584
−HK$600/mo
Today · 4.125%
HK$20,184
baseline
▲ 0.50% · 4.625%
HK$21,412
+HK$1,228/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,368/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,129
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,696
−HK$575/mo
Today · 4.125%
HK$22,271
baseline
▲ 0.50% · 4.625%
HK$23,445
+HK$1,174/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,542/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,791
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,500
−HK$721/mo
Today · 4.125%
HK$24,221
baseline
▲ 0.50% · 4.625%
HK$25,694
+HK$1,473/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,442/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,355
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,035
−HK$690/mo
Today · 4.125%
HK$26,725
baseline
▲ 0.50% · 4.625%
HK$28,134
+HK$1,409/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,450/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,590
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,417
−HK$840/mo
Today · 4.125%
HK$28,257
baseline
▲ 0.50% · 4.625%
HK$29,977
+HK$1,720/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,514/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,581
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,374
−HK$805/mo
Today · 4.125%
HK$31,179
baseline
▲ 0.50% · 4.625%
HK$32,823
+HK$1,644/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,358/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,187
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,250
−HK$1,081/mo
Today · 4.125%
HK$36,331
baseline
▲ 0.50% · 4.625%
HK$38,541
+HK$2,210/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,662/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,033
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,053
−HK$1,034/mo
Today · 4.125%
HK$40,087
baseline
▲ 0.50% · 4.625%
HK$42,200
+HK$2,113/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,174/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,877 · 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).