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$17,932
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,490
−HK$567/mo
Today · 4.125%
HK$19,057
baseline
▲ 0.50% · 4.625%
HK$20,216
+HK$1,159/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,114/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,950
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,485
−HK$542/mo
Today · 4.125%
HK$21,027
baseline
▲ 0.50% · 4.625%
HK$22,136
+HK$1,109/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,054/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,519
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,188
−HK$680/mo
Today · 4.125%
HK$22,868
baseline
▲ 0.50% · 4.625%
HK$24,260
+HK$1,392/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,736/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,940
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,582
−HK$651/mo
Today · 4.125%
HK$25,233
baseline
▲ 0.50% · 4.625%
HK$26,563
+HK$1,330/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,466/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,105
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,886
−HK$794/mo
Today · 4.125%
HK$26,680
baseline
▲ 0.50% · 4.625%
HK$28,303
+HK$1,623/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,360/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,929
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,678
−HK$760/mo
Today · 4.125%
HK$29,438
baseline
▲ 0.50% · 4.625%
HK$30,990
+HK$1,552/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,876/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,278
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,282
−HK$1,020/mo
Today · 4.125%
HK$34,302
baseline
▲ 0.50% · 4.625%
HK$36,390
+HK$2,088/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$68,604/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,909
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,872
−HK$977/mo
Today · 4.125%
HK$37,849
baseline
▲ 0.50% · 4.625%
HK$39,844
+HK$1,995/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$75,698/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,926 · 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).