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$17,903
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,459
−HK$566/mo
Today · 4.125%
HK$19,025
baseline
▲ 0.50% · 4.625%
HK$20,183
+HK$1,158/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,050/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,916
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,451
−HK$541/mo
Today · 4.125%
HK$20,992
baseline
▲ 0.50% · 4.625%
HK$22,099
+HK$1,107/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$41,984/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,483
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,151
−HK$679/mo
Today · 4.125%
HK$22,830
baseline
▲ 0.50% · 4.625%
HK$24,219
+HK$1,389/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,660/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,900
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,541
−HK$650/mo
Today · 4.125%
HK$25,191
baseline
▲ 0.50% · 4.625%
HK$26,519
+HK$1,328/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,382/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,064
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,843
−HK$792/mo
Today · 4.125%
HK$26,635
baseline
▲ 0.50% · 4.625%
HK$28,256
+HK$1,621/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,270/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,883
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,631
−HK$758/mo
Today · 4.125%
HK$29,389
baseline
▲ 0.50% · 4.625%
HK$30,939
+HK$1,550/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,778/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,225
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,227
−HK$1,018/mo
Today · 4.125%
HK$34,245
baseline
▲ 0.50% · 4.625%
HK$36,329
+HK$2,084/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$68,490/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,849
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,811
−HK$975/mo
Today · 4.125%
HK$37,786
baseline
▲ 0.50% · 4.625%
HK$39,778
+HK$1,992/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$75,572/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,534 · 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).