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$17,929
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,487
−HK$567/mo
Today · 4.125%
HK$19,054
baseline
▲ 0.50% · 4.625%
HK$20,213
+HK$1,159/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,108/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,946
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,481
−HK$543/mo
Today · 4.125%
HK$21,024
baseline
▲ 0.50% · 4.625%
HK$22,132
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,048/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,515
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,185
−HK$679/mo
Today · 4.125%
HK$22,864
baseline
▲ 0.50% · 4.625%
HK$24,256
+HK$1,392/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,728/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,936
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,577
−HK$652/mo
Today · 4.125%
HK$25,229
baseline
▲ 0.50% · 4.625%
HK$26,559
+HK$1,330/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,458/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,101
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,882
−HK$793/mo
Today · 4.125%
HK$26,675
baseline
▲ 0.50% · 4.625%
HK$28,298
+HK$1,623/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,350/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,925
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,674
−HK$760/mo
Today · 4.125%
HK$29,434
baseline
▲ 0.50% · 4.625%
HK$30,985
+HK$1,551/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,868/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,273
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,277
−HK$1,020/mo
Today · 4.125%
HK$34,297
baseline
▲ 0.50% · 4.625%
HK$36,384
+HK$2,087/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$68,594/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,903
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,866
−HK$977/mo
Today · 4.125%
HK$37,843
baseline
▲ 0.50% · 4.625%
HK$39,838
+HK$1,995/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$75,686/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,887 · 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).