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$17,920
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,477
−HK$566/mo
Today · 4.125%
HK$19,043
baseline
▲ 0.50% · 4.625%
HK$20,202
+HK$1,159/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,086/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,935
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,470
−HK$542/mo
Today · 4.125%
HK$21,012
baseline
▲ 0.50% · 4.625%
HK$22,120
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,024/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,503
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,172
−HK$680/mo
Today · 4.125%
HK$22,852
baseline
▲ 0.50% · 4.625%
HK$24,242
+HK$1,390/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$45,704/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,922
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,564
−HK$651/mo
Today · 4.125%
HK$25,215
baseline
▲ 0.50% · 4.625%
HK$26,544
+HK$1,329/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$50,430/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,087
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,868
−HK$793/mo
Today · 4.125%
HK$26,661
baseline
▲ 0.50% · 4.625%
HK$28,283
+HK$1,622/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,322/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,909
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,658
−HK$759/mo
Today · 4.125%
HK$29,417
baseline
▲ 0.50% · 4.625%
HK$30,968
+HK$1,551/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,834/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,255
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,259
−HK$1,019/mo
Today · 4.125%
HK$34,278
baseline
▲ 0.50% · 4.625%
HK$36,364
+HK$2,086/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$68,556/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,884
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,846
−HK$976/mo
Today · 4.125%
HK$37,822
baseline
▲ 0.50% · 4.625%
HK$39,816
+HK$1,994/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$75,644/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,758 · 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).