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$17,925
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,483
−HK$567/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$235,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,942
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,477
−HK$542/mo
Today · 4.125%
HK$21,019
baseline
▲ 0.50% · 4.625%
HK$22,127
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,038/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,511
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,180
−HK$679/mo
Today · 4.125%
HK$22,859
baseline
▲ 0.50% · 4.625%
HK$24,250
+HK$1,391/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$45,718/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,930
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,572
−HK$651/mo
Today · 4.125%
HK$25,223
baseline
▲ 0.50% · 4.625%
HK$26,553
+HK$1,330/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$50,446/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,096
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,876
−HK$793/mo
Today · 4.125%
HK$26,669
baseline
▲ 0.50% · 4.625%
HK$28,292
+HK$1,623/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,338/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,919
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,667
−HK$760/mo
Today · 4.125%
HK$29,427
baseline
▲ 0.50% · 4.625%
HK$30,978
+HK$1,551/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,854/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,266
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,269
−HK$1,020/mo
Today · 4.125%
HK$34,289
baseline
▲ 0.50% · 4.625%
HK$36,376
+HK$2,087/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$68,578/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,895
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,858
−HK$977/mo
Today · 4.125%
HK$37,835
baseline
▲ 0.50% · 4.625%
HK$39,829
+HK$1,994/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$75,670/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,835 · 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).