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$17,921
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,478
−HK$566/mo
Today · 4.125%
HK$19,044
baseline
▲ 0.50% · 4.625%
HK$20,203
+HK$1,159/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,088/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,937
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,471
−HK$543/mo
Today · 4.125%
HK$21,014
baseline
▲ 0.50% · 4.625%
HK$22,121
+HK$1,107/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,028/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,505
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,174
−HK$679/mo
Today · 4.125%
HK$22,853
baseline
▲ 0.50% · 4.625%
HK$24,244
+HK$1,391/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$45,706/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,924
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,566
−HK$650/mo
Today · 4.125%
HK$25,216
baseline
▲ 0.50% · 4.625%
HK$26,546
+HK$1,330/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$50,432/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,089
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,869
−HK$793/mo
Today · 4.125%
HK$26,662
baseline
▲ 0.50% · 4.625%
HK$28,285
+HK$1,623/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,324/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,911
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,660
−HK$759/mo
Today · 4.125%
HK$29,419
baseline
▲ 0.50% · 4.625%
HK$30,970
+HK$1,551/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,838/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,257
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,261
−HK$1,019/mo
Today · 4.125%
HK$34,280
baseline
▲ 0.50% · 4.625%
HK$36,366
+HK$2,086/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$68,560/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,886
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,848
−HK$977/mo
Today · 4.125%
HK$37,825
baseline
▲ 0.50% · 4.625%
HK$39,818
+HK$1,993/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$75,650/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,773 · 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).