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$17,911
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,468
−HK$566/mo
Today · 4.125%
HK$19,034
baseline
▲ 0.50% · 4.625%
HK$20,192
+HK$1,158/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,068/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,926
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,460
−HK$542/mo
Today · 4.125%
HK$21,002
baseline
▲ 0.50% · 4.625%
HK$22,109
+HK$1,107/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,004/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,493
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,161
−HK$680/mo
Today · 4.125%
HK$22,841
baseline
▲ 0.50% · 4.625%
HK$24,231
+HK$1,390/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,682/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,911
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,552
−HK$650/mo
Today · 4.125%
HK$25,202
baseline
▲ 0.50% · 4.625%
HK$26,531
+HK$1,329/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,404/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,075
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,855
−HK$792/mo
Today · 4.125%
HK$26,647
baseline
▲ 0.50% · 4.625%
HK$28,269
+HK$1,622/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,294/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,896
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,644
−HK$759/mo
Today · 4.125%
HK$29,403
baseline
▲ 0.50% · 4.625%
HK$30,953
+HK$1,550/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,806/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,239
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,242
−HK$1,019/mo
Today · 4.125%
HK$34,261
baseline
▲ 0.50% · 4.625%
HK$36,346
+HK$2,085/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$68,522/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,866
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,828
−HK$976/mo
Today · 4.125%
HK$37,804
baseline
▲ 0.50% · 4.625%
HK$39,796
+HK$1,992/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$75,608/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,642 · 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).