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$18,481
−HK$566/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$235,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,940
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,474
−HK$543/mo
Today · 4.125%
HK$21,017
baseline
▲ 0.50% · 4.625%
HK$22,125
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,034/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,508
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,177
−HK$680/mo
Today · 4.125%
HK$22,857
baseline
▲ 0.50% · 4.625%
HK$24,248
+HK$1,391/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$45,714/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,928
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,569
−HK$651/mo
Today · 4.125%
HK$25,220
baseline
▲ 0.50% · 4.625%
HK$26,550
+HK$1,330/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$235,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,093
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,873
−HK$793/mo
Today · 4.125%
HK$26,666
baseline
▲ 0.50% · 4.625%
HK$28,289
+HK$1,623/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$235,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,915
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,664
−HK$760/mo
Today · 4.125%
HK$29,424
baseline
▲ 0.50% · 4.625%
HK$30,975
+HK$1,551/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,848/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,262
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,266
−HK$1,019/mo
Today · 4.125%
HK$34,285
baseline
▲ 0.50% · 4.625%
HK$36,371
+HK$2,086/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$68,570/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,891
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,854
−HK$976/mo
Today · 4.125%
HK$37,830
baseline
▲ 0.50% · 4.625%
HK$39,825
+HK$1,995/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$75,660/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,808 · 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).