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$17,907
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,464
−HK$566/mo
Today · 4.125%
HK$19,030
baseline
▲ 0.50% · 4.625%
HK$20,188
+HK$1,158/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,060/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,921
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,456
−HK$542/mo
Today · 4.125%
HK$20,998
baseline
▲ 0.50% · 4.625%
HK$22,104
+HK$1,106/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$41,996/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,488
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,157
−HK$679/mo
Today · 4.125%
HK$22,836
baseline
▲ 0.50% · 4.625%
HK$24,225
+HK$1,389/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,672/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,906
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,547
−HK$650/mo
Today · 4.125%
HK$25,197
baseline
▲ 0.50% · 4.625%
HK$26,525
+HK$1,328/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,394/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,070
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,850
−HK$792/mo
Today · 4.125%
HK$26,642
baseline
▲ 0.50% · 4.625%
HK$28,263
+HK$1,621/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,284/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,890
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,638
−HK$759/mo
Today · 4.125%
HK$29,397
baseline
▲ 0.50% · 4.625%
HK$30,946
+HK$1,549/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,794/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,233
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,235
−HK$1,019/mo
Today · 4.125%
HK$34,254
baseline
▲ 0.50% · 4.625%
HK$36,338
+HK$2,084/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$68,508/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,858
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,820
−HK$976/mo
Today · 4.125%
HK$37,796
baseline
▲ 0.50% · 4.625%
HK$39,788
+HK$1,992/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$75,592/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,592 · 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).