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$17,926
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,484
−HK$566/mo
Today · 4.125%
HK$19,050
baseline
▲ 0.50% · 4.625%
HK$20,209
+HK$1,159/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,100/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,943
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,477
−HK$543/mo
Today · 4.125%
HK$21,020
baseline
▲ 0.50% · 4.625%
HK$22,128
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,040/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,511
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,180
−HK$680/mo
Today · 4.125%
HK$22,860
baseline
▲ 0.50% · 4.625%
HK$24,251
+HK$1,391/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$45,720/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,931
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,573
−HK$651/mo
Today · 4.125%
HK$25,224
baseline
▲ 0.50% · 4.625%
HK$26,554
+HK$1,330/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$50,448/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,096
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,877
−HK$793/mo
Today · 4.125%
HK$26,670
baseline
▲ 0.50% · 4.625%
HK$28,293
+HK$1,623/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,340/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,920
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,668
−HK$760/mo
Today · 4.125%
HK$29,428
baseline
▲ 0.50% · 4.625%
HK$30,979
+HK$1,551/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,856/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,267
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,271
−HK$1,019/mo
Today · 4.125%
HK$34,290
baseline
▲ 0.50% · 4.625%
HK$36,377
+HK$2,087/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$68,580/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,897
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,859
−HK$977/mo
Today · 4.125%
HK$37,836
baseline
▲ 0.50% · 4.625%
HK$39,830
+HK$1,994/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$75,672/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,843 · 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).