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$17,922
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,479
−HK$567/mo
Today · 4.125%
HK$19,046
baseline
▲ 0.50% · 4.625%
HK$20,205
+HK$1,159/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,092/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,938
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,473
−HK$542/mo
Today · 4.125%
HK$21,015
baseline
▲ 0.50% · 4.625%
HK$22,123
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,030/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,506
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,175
−HK$680/mo
Today · 4.125%
HK$22,855
baseline
▲ 0.50% · 4.625%
HK$24,245
+HK$1,390/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$45,710/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,925
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,567
−HK$651/mo
Today · 4.125%
HK$25,218
baseline
▲ 0.50% · 4.625%
HK$26,547
+HK$1,329/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$50,436/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,090
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,871
−HK$793/mo
Today · 4.125%
HK$26,664
baseline
▲ 0.50% · 4.625%
HK$28,286
+HK$1,622/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,328/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,913
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,662
−HK$759/mo
Today · 4.125%
HK$29,421
baseline
▲ 0.50% · 4.625%
HK$30,972
+HK$1,551/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,842/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,259
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,263
−HK$1,019/mo
Today · 4.125%
HK$34,282
baseline
▲ 0.50% · 4.625%
HK$36,368
+HK$2,086/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$68,564/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,888
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,851
−HK$976/mo
Today · 4.125%
HK$37,827
baseline
▲ 0.50% · 4.625%
HK$39,821
+HK$1,994/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$75,654/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,787 · 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).