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$17,904
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,461
−HK$566/mo
Today · 4.125%
HK$19,027
baseline
▲ 0.50% · 4.625%
HK$20,184
+HK$1,157/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,054/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,918
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,452
−HK$542/mo
Today · 4.125%
HK$20,994
baseline
▲ 0.50% · 4.625%
HK$22,101
+HK$1,107/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$41,988/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,485
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,153
−HK$679/mo
Today · 4.125%
HK$22,832
baseline
▲ 0.50% · 4.625%
HK$24,221
+HK$1,389/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,664/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,902
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,543
−HK$650/mo
Today · 4.125%
HK$25,193
baseline
▲ 0.50% · 4.625%
HK$26,521
+HK$1,328/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,386/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,066
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,845
−HK$792/mo
Today · 4.125%
HK$26,637
baseline
▲ 0.50% · 4.625%
HK$28,258
+HK$1,621/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,274/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,885
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,633
−HK$759/mo
Today · 4.125%
HK$29,392
baseline
▲ 0.50% · 4.625%
HK$30,941
+HK$1,549/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,784/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,227
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,230
−HK$1,018/mo
Today · 4.125%
HK$34,248
baseline
▲ 0.50% · 4.625%
HK$36,332
+HK$2,084/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$68,496/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,852
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,814
−HK$975/mo
Today · 4.125%
HK$37,789
baseline
▲ 0.50% · 4.625%
HK$39,781
+HK$1,992/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$75,578/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,552 · 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).