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$17,927
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,485
−HK$566/mo
Today · 4.125%
HK$19,051
baseline
▲ 0.50% · 4.625%
HK$20,211
+HK$1,160/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,102/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,944
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,479
−HK$542/mo
Today · 4.125%
HK$21,021
baseline
▲ 0.50% · 4.625%
HK$22,129
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,042/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,513
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,182
−HK$680/mo
Today · 4.125%
HK$22,862
baseline
▲ 0.50% · 4.625%
HK$24,253
+HK$1,391/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$45,724/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,933
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,574
−HK$652/mo
Today · 4.125%
HK$25,226
baseline
▲ 0.50% · 4.625%
HK$26,555
+HK$1,329/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$50,452/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,098
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,879
−HK$793/mo
Today · 4.125%
HK$26,672
baseline
▲ 0.50% · 4.625%
HK$28,295
+HK$1,623/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,344/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,921
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,670
−HK$760/mo
Today · 4.125%
HK$29,430
baseline
▲ 0.50% · 4.625%
HK$30,981
+HK$1,551/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,860/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,269
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,273
−HK$1,019/mo
Today · 4.125%
HK$34,292
baseline
▲ 0.50% · 4.625%
HK$36,379
+HK$2,087/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$68,584/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,899
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,862
−HK$976/mo
Today · 4.125%
HK$37,838
baseline
▲ 0.50% · 4.625%
HK$39,833
+HK$1,995/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$75,676/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,858 · 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).