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$17,908
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,465
−HK$566/mo
Today · 4.125%
HK$19,031
baseline
▲ 0.50% · 4.625%
HK$20,189
+HK$1,158/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,062/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,923
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,457
−HK$542/mo
Today · 4.125%
HK$20,999
baseline
▲ 0.50% · 4.625%
HK$22,106
+HK$1,107/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$41,998/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,490
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,158
−HK$679/mo
Today · 4.125%
HK$22,837
baseline
▲ 0.50% · 4.625%
HK$24,227
+HK$1,390/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,674/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,907
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,548
−HK$651/mo
Today · 4.125%
HK$25,199
baseline
▲ 0.50% · 4.625%
HK$26,527
+HK$1,328/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,398/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,071
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,851
−HK$792/mo
Today · 4.125%
HK$26,643
baseline
▲ 0.50% · 4.625%
HK$28,265
+HK$1,622/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,286/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,892
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,640
−HK$758/mo
Today · 4.125%
HK$29,398
baseline
▲ 0.50% · 4.625%
HK$30,948
+HK$1,550/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,796/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,234
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,237
−HK$1,019/mo
Today · 4.125%
HK$34,256
baseline
▲ 0.50% · 4.625%
HK$36,340
+HK$2,084/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$68,512/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,861
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,822
−HK$976/mo
Today · 4.125%
HK$37,798
baseline
▲ 0.50% · 4.625%
HK$39,790
+HK$1,992/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$75,596/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,606 · 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).