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$17,915
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,473
−HK$566/mo
Today · 4.125%
HK$19,039
baseline
▲ 0.50% · 4.625%
HK$20,197
+HK$1,158/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,078/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,931
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,465
−HK$543/mo
Today · 4.125%
HK$21,008
baseline
▲ 0.50% · 4.625%
HK$22,115
+HK$1,107/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,016/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,499
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,167
−HK$680/mo
Today · 4.125%
HK$22,847
baseline
▲ 0.50% · 4.625%
HK$24,237
+HK$1,390/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,694/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,917
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,558
−HK$651/mo
Today · 4.125%
HK$25,209
baseline
▲ 0.50% · 4.625%
HK$26,538
+HK$1,329/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,418/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,082
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,862
−HK$792/mo
Today · 4.125%
HK$26,654
baseline
▲ 0.50% · 4.625%
HK$28,276
+HK$1,622/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,308/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,903
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,651
−HK$760/mo
Today · 4.125%
HK$29,411
baseline
▲ 0.50% · 4.625%
HK$30,961
+HK$1,550/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,822/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,248
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,251
−HK$1,019/mo
Today · 4.125%
HK$34,270
baseline
▲ 0.50% · 4.625%
HK$36,355
+HK$2,085/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$68,540/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,875
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,838
−HK$976/mo
Today · 4.125%
HK$37,814
baseline
▲ 0.50% · 4.625%
HK$39,807
+HK$1,993/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$75,628/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,704 · 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).