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$17,919
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,476
−HK$566/mo
Today · 4.125%
HK$19,042
baseline
▲ 0.50% · 4.625%
HK$20,201
+HK$1,159/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,084/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,934
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,469
−HK$542/mo
Today · 4.125%
HK$21,011
baseline
▲ 0.50% · 4.625%
HK$22,119
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,022/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,502
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,171
−HK$680/mo
Today · 4.125%
HK$22,851
baseline
▲ 0.50% · 4.625%
HK$24,241
+HK$1,390/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,702/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,921
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,563
−HK$650/mo
Today · 4.125%
HK$25,213
baseline
▲ 0.50% · 4.625%
HK$26,542
+HK$1,329/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,426/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,086
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,866
−HK$793/mo
Today · 4.125%
HK$26,659
baseline
▲ 0.50% · 4.625%
HK$28,281
+HK$1,622/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,318/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,908
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,656
−HK$760/mo
Today · 4.125%
HK$29,416
baseline
▲ 0.50% · 4.625%
HK$30,966
+HK$1,550/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,832/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,253
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,257
−HK$1,019/mo
Today · 4.125%
HK$34,276
baseline
▲ 0.50% · 4.625%
HK$36,362
+HK$2,086/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$68,552/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,882
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,844
−HK$976/mo
Today · 4.125%
HK$37,820
baseline
▲ 0.50% · 4.625%
HK$39,814
+HK$1,994/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$75,640/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,744 · 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).