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$17,909
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,466
−HK$566/mo
Today · 4.125%
HK$19,032
baseline
▲ 0.50% · 4.625%
HK$20,190
+HK$1,158/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,064/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,923
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,458
−HK$542/mo
Today · 4.125%
HK$21,000
baseline
▲ 0.50% · 4.625%
HK$22,107
+HK$1,107/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,000/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,491
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,159
−HK$679/mo
Today · 4.125%
HK$22,838
baseline
▲ 0.50% · 4.625%
HK$24,228
+HK$1,390/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,676/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,908
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,549
−HK$651/mo
Today · 4.125%
HK$25,200
baseline
▲ 0.50% · 4.625%
HK$26,528
+HK$1,328/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,400/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,072
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,852
−HK$793/mo
Today · 4.125%
HK$26,645
baseline
▲ 0.50% · 4.625%
HK$28,266
+HK$1,621/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,290/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,893
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,641
−HK$759/mo
Today · 4.125%
HK$29,400
baseline
▲ 0.50% · 4.625%
HK$30,949
+HK$1,549/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,800/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,236
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,239
−HK$1,018/mo
Today · 4.125%
HK$34,257
baseline
▲ 0.50% · 4.625%
HK$36,342
+HK$2,085/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$68,514/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,862
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,824
−HK$976/mo
Today · 4.125%
HK$37,800
baseline
▲ 0.50% · 4.625%
HK$39,792
+HK$1,992/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$75,600/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,616 · 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).