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$17,919
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,476
−HK$567/mo
Today · 4.125%
HK$19,043
baseline
▲ 0.50% · 4.625%
HK$20,201
+HK$1,158/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,086/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,935
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,469
−HK$543/mo
Today · 4.125%
HK$21,012
baseline
▲ 0.50% · 4.625%
HK$22,119
+HK$1,107/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,024/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,503
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,172
−HK$679/mo
Today · 4.125%
HK$22,851
baseline
▲ 0.50% · 4.625%
HK$24,242
+HK$1,391/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,702/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,922
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,563
−HK$651/mo
Today · 4.125%
HK$25,214
baseline
▲ 0.50% · 4.625%
HK$26,543
+HK$1,329/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,428/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,087
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,867
−HK$793/mo
Today · 4.125%
HK$26,660
baseline
▲ 0.50% · 4.625%
HK$28,282
+HK$1,622/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,320/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,909
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,657
−HK$759/mo
Today · 4.125%
HK$29,416
baseline
▲ 0.50% · 4.625%
HK$30,967
+HK$1,551/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,832/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,254
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,257
−HK$1,020/mo
Today · 4.125%
HK$34,277
baseline
▲ 0.50% · 4.625%
HK$36,362
+HK$2,085/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$68,554/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,882
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,845
−HK$976/mo
Today · 4.125%
HK$37,821
baseline
▲ 0.50% · 4.625%
HK$39,815
+HK$1,994/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$75,642/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,750 · 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).