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$19,014
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,605
−HK$601/mo
Today · 4.125%
HK$20,206
baseline
▲ 0.50% · 4.625%
HK$21,436
+HK$1,230/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,412/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,153
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,720
−HK$575/mo
Today · 4.125%
HK$22,295
baseline
▲ 0.50% · 4.625%
HK$23,471
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,590/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,817
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,526
−HK$721/mo
Today · 4.125%
HK$24,247
baseline
▲ 0.50% · 4.625%
HK$25,723
+HK$1,476/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$48,494/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,383
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,064
−HK$691/mo
Today · 4.125%
HK$26,755
baseline
▲ 0.50% · 4.625%
HK$28,165
+HK$1,410/mo
Deposit HK$3.34M · loan HK$5.00M · min. income ≈ HK$53,510/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,619
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,447
−HK$842/mo
Today · 4.125%
HK$28,289
baseline
▲ 0.50% · 4.625%
HK$30,010
+HK$1,721/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,578/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,614
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,408
−HK$806/mo
Today · 4.125%
HK$31,214
baseline
▲ 0.50% · 4.625%
HK$32,859
+HK$1,645/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,428/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,225
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,289
−HK$1,082/mo
Today · 4.125%
HK$36,371
baseline
▲ 0.50% · 4.625%
HK$38,584
+HK$2,213/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$72,742/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,075
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,096
−HK$1,036/mo
Today · 4.125%
HK$40,132
baseline
▲ 0.50% · 4.625%
HK$42,247
+HK$2,115/mo
Deposit HK$834K · loan HK$7.50M · min. income ≈ HK$80,264/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,154 · 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).