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$17,923
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,480
−HK$567/mo
Today · 4.125%
HK$19,047
baseline
▲ 0.50% · 4.625%
HK$20,206
+HK$1,159/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,094/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,939
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,474
−HK$542/mo
Today · 4.125%
HK$21,016
baseline
▲ 0.50% · 4.625%
HK$22,124
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,032/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,508
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,177
−HK$679/mo
Today · 4.125%
HK$22,856
baseline
▲ 0.50% · 4.625%
HK$24,247
+HK$1,391/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$45,712/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,927
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,569
−HK$651/mo
Today · 4.125%
HK$25,220
baseline
▲ 0.50% · 4.625%
HK$26,549
+HK$1,329/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$50,440/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,092
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,873
−HK$793/mo
Today · 4.125%
HK$26,666
baseline
▲ 0.50% · 4.625%
HK$28,288
+HK$1,622/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,332/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,915
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,663
−HK$760/mo
Today · 4.125%
HK$29,423
baseline
▲ 0.50% · 4.625%
HK$30,974
+HK$1,551/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,846/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,261
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,265
−HK$1,019/mo
Today · 4.125%
HK$34,284
baseline
▲ 0.50% · 4.625%
HK$36,371
+HK$2,087/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$68,568/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,890
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,853
−HK$976/mo
Today · 4.125%
HK$37,829
baseline
▲ 0.50% · 4.625%
HK$39,824
+HK$1,995/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$75,658/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,803 · 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).