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$19,001
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,592
−HK$601/mo
Today · 4.125%
HK$20,193
baseline
▲ 0.50% · 4.625%
HK$21,421
+HK$1,228/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,386/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$249,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,138
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,705
−HK$575/mo
Today · 4.125%
HK$22,280
baseline
▲ 0.50% · 4.625%
HK$23,455
+HK$1,175/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,560/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$249,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,801
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,510
−HK$721/mo
Today · 4.125%
HK$24,231
baseline
▲ 0.50% · 4.625%
HK$25,705
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,462/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,366
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,046
−HK$691/mo
Today · 4.125%
HK$26,737
baseline
▲ 0.50% · 4.625%
HK$28,146
+HK$1,409/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,474/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,601
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,429
−HK$841/mo
Today · 4.125%
HK$28,270
baseline
▲ 0.50% · 4.625%
HK$29,990
+HK$1,720/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,540/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,594
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,387
−HK$806/mo
Today · 4.125%
HK$31,193
baseline
▲ 0.50% · 4.625%
HK$32,837
+HK$1,644/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,386/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,202
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,266
−HK$1,081/mo
Today · 4.125%
HK$36,347
baseline
▲ 0.50% · 4.625%
HK$38,558
+HK$2,211/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,694/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,049
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,070
−HK$1,035/mo
Today · 4.125%
HK$40,105
baseline
▲ 0.50% · 4.625%
HK$42,219
+HK$2,114/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,210/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,986 · 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).