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$17,914
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,471
−HK$566/mo
Today · 4.125%
HK$19,037
baseline
▲ 0.50% · 4.625%
HK$20,195
+HK$1,158/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,074/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,929
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,463
−HK$542/mo
Today · 4.125%
HK$21,005
baseline
▲ 0.50% · 4.625%
HK$22,113
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,010/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,496
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,165
−HK$679/mo
Today · 4.125%
HK$22,844
baseline
▲ 0.50% · 4.625%
HK$24,234
+HK$1,390/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,688/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,914
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,556
−HK$650/mo
Today · 4.125%
HK$25,206
baseline
▲ 0.50% · 4.625%
HK$26,535
+HK$1,329/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,412/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,079
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,859
−HK$793/mo
Today · 4.125%
HK$26,652
baseline
▲ 0.50% · 4.625%
HK$28,273
+HK$1,621/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,304/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,900
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,648
−HK$760/mo
Today · 4.125%
HK$29,408
baseline
▲ 0.50% · 4.625%
HK$30,958
+HK$1,550/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,816/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,245
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,247
−HK$1,020/mo
Today · 4.125%
HK$34,267
baseline
▲ 0.50% · 4.625%
HK$36,352
+HK$2,085/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$68,534/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,872
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,834
−HK$976/mo
Today · 4.125%
HK$37,810
baseline
▲ 0.50% · 4.625%
HK$39,803
+HK$1,993/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$75,620/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,679 · 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).