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$17,916
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,474
−HK$566/mo
Today · 4.125%
HK$19,040
baseline
▲ 0.50% · 4.625%
HK$20,198
+HK$1,158/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,080/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,932
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,466
−HK$542/mo
Today · 4.125%
HK$21,008
baseline
▲ 0.50% · 4.625%
HK$22,116
+HK$1,108/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$235,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,499
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,168
−HK$680/mo
Today · 4.125%
HK$22,848
baseline
▲ 0.50% · 4.625%
HK$24,238
+HK$1,390/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,696/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,918
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,559
−HK$651/mo
Today · 4.125%
HK$25,210
baseline
▲ 0.50% · 4.625%
HK$26,539
+HK$1,329/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,420/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,083
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,863
−HK$793/mo
Today · 4.125%
HK$26,656
baseline
▲ 0.50% · 4.625%
HK$28,278
+HK$1,622/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,312/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,904
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,653
−HK$759/mo
Today · 4.125%
HK$29,412
baseline
▲ 0.50% · 4.625%
HK$30,962
+HK$1,550/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,824/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,249
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,252
−HK$1,020/mo
Today · 4.125%
HK$34,272
baseline
▲ 0.50% · 4.625%
HK$36,357
+HK$2,085/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$68,544/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,877
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,839
−HK$976/mo
Today · 4.125%
HK$37,815
baseline
▲ 0.50% · 4.625%
HK$39,809
+HK$1,994/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$75,630/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,714 · 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).