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$17,910
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,467
−HK$566/mo
Today · 4.125%
HK$19,033
baseline
▲ 0.50% · 4.625%
HK$20,191
+HK$1,158/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,066/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,924
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,459
−HK$542/mo
Today · 4.125%
HK$21,001
baseline
▲ 0.50% · 4.625%
HK$22,108
+HK$1,107/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,002/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,492
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,160
−HK$679/mo
Today · 4.125%
HK$22,839
baseline
▲ 0.50% · 4.625%
HK$24,229
+HK$1,390/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,678/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,909
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,550
−HK$651/mo
Today · 4.125%
HK$25,201
baseline
▲ 0.50% · 4.625%
HK$26,529
+HK$1,328/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,402/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,074
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,853
−HK$793/mo
Today · 4.125%
HK$26,646
baseline
▲ 0.50% · 4.625%
HK$28,267
+HK$1,621/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,292/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,894
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,642
−HK$759/mo
Today · 4.125%
HK$29,401
baseline
▲ 0.50% · 4.625%
HK$30,951
+HK$1,550/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,802/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,237
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,240
−HK$1,019/mo
Today · 4.125%
HK$34,259
baseline
▲ 0.50% · 4.625%
HK$36,343
+HK$2,084/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$68,518/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,864
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,826
−HK$975/mo
Today · 4.125%
HK$37,801
baseline
▲ 0.50% · 4.625%
HK$39,794
+HK$1,993/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$75,602/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,627 · 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).