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$17,906
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,463
−HK$566/mo
Today · 4.125%
HK$19,029
baseline
▲ 0.50% · 4.625%
HK$20,187
+HK$1,158/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,058/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,920
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,455
−HK$542/mo
Today · 4.125%
HK$20,997
baseline
▲ 0.50% · 4.625%
HK$22,103
+HK$1,106/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$41,994/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,487
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,156
−HK$679/mo
Today · 4.125%
HK$22,835
baseline
▲ 0.50% · 4.625%
HK$24,224
+HK$1,389/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,670/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,904
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,545
−HK$651/mo
Today · 4.125%
HK$25,196
baseline
▲ 0.50% · 4.625%
HK$26,524
+HK$1,328/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,392/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,068
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,848
−HK$792/mo
Today · 4.125%
HK$26,640
baseline
▲ 0.50% · 4.625%
HK$28,261
+HK$1,621/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,280/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,888
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,636
−HK$759/mo
Today · 4.125%
HK$29,395
baseline
▲ 0.50% · 4.625%
HK$30,945
+HK$1,550/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,790/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,231
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,233
−HK$1,019/mo
Today · 4.125%
HK$34,252
baseline
▲ 0.50% · 4.625%
HK$36,336
+HK$2,084/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$68,504/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,857
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,818
−HK$976/mo
Today · 4.125%
HK$37,794
baseline
▲ 0.50% · 4.625%
HK$39,786
+HK$1,992/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$75,588/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,580 · 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).