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$18,480
−HK$566/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$235,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,938
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,473
−HK$543/mo
Today · 4.125%
HK$21,016
baseline
▲ 0.50% · 4.625%
HK$22,123
+HK$1,107/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,032/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,507
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,176
−HK$679/mo
Today · 4.125%
HK$22,855
baseline
▲ 0.50% · 4.625%
HK$24,246
+HK$1,391/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$235,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,926
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,568
−HK$651/mo
Today · 4.125%
HK$25,219
baseline
▲ 0.50% · 4.625%
HK$26,548
+HK$1,329/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$50,438/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,091
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,872
−HK$793/mo
Today · 4.125%
HK$26,665
baseline
▲ 0.50% · 4.625%
HK$28,287
+HK$1,622/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,330/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,914
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,662
−HK$760/mo
Today · 4.125%
HK$29,422
baseline
▲ 0.50% · 4.625%
HK$30,973
+HK$1,551/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,844/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,260
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,264
−HK$1,019/mo
Today · 4.125%
HK$34,283
baseline
▲ 0.50% · 4.625%
HK$36,369
+HK$2,086/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$68,566/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,889
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,852
−HK$976/mo
Today · 4.125%
HK$37,828
baseline
▲ 0.50% · 4.625%
HK$39,822
+HK$1,994/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$75,656/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,794 · 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).