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$17,929
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,486
−HK$567/mo
Today · 4.125%
HK$19,053
baseline
▲ 0.50% · 4.625%
HK$20,212
+HK$1,159/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,106/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,946
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,480
−HK$543/mo
Today · 4.125%
HK$21,023
baseline
▲ 0.50% · 4.625%
HK$22,131
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,046/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,514
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,184
−HK$680/mo
Today · 4.125%
HK$22,864
baseline
▲ 0.50% · 4.625%
HK$24,255
+HK$1,391/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,728/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,935
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,577
−HK$651/mo
Today · 4.125%
HK$25,228
baseline
▲ 0.50% · 4.625%
HK$26,558
+HK$1,330/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,456/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,100
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,881
−HK$793/mo
Today · 4.125%
HK$26,674
baseline
▲ 0.50% · 4.625%
HK$28,297
+HK$1,623/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,348/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,924
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,673
−HK$759/mo
Today · 4.125%
HK$29,432
baseline
▲ 0.50% · 4.625%
HK$30,984
+HK$1,552/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,864/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,272
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,276
−HK$1,019/mo
Today · 4.125%
HK$34,295
baseline
▲ 0.50% · 4.625%
HK$36,382
+HK$2,087/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$68,590/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,902
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,865
−HK$977/mo
Today · 4.125%
HK$37,842
baseline
▲ 0.50% · 4.625%
HK$39,836
+HK$1,994/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$75,684/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,878 · 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).