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$17,915
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,472
−HK$566/mo
Today · 4.125%
HK$19,038
baseline
▲ 0.50% · 4.625%
HK$20,197
+HK$1,159/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,076/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,930
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,465
−HK$542/mo
Today · 4.125%
HK$21,007
baseline
▲ 0.50% · 4.625%
HK$22,114
+HK$1,107/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,014/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,498
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,167
−HK$679/mo
Today · 4.125%
HK$22,846
baseline
▲ 0.50% · 4.625%
HK$24,236
+HK$1,390/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,692/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,916
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,558
−HK$650/mo
Today · 4.125%
HK$25,208
baseline
▲ 0.50% · 4.625%
HK$26,537
+HK$1,329/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,416/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,081
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,861
−HK$793/mo
Today · 4.125%
HK$26,654
baseline
▲ 0.50% · 4.625%
HK$28,275
+HK$1,621/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,308/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,902
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,650
−HK$760/mo
Today · 4.125%
HK$29,410
baseline
▲ 0.50% · 4.625%
HK$30,960
+HK$1,550/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,820/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,247
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,250
−HK$1,019/mo
Today · 4.125%
HK$34,269
baseline
▲ 0.50% · 4.625%
HK$36,354
+HK$2,085/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$68,538/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,874
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,836
−HK$976/mo
Today · 4.125%
HK$37,812
baseline
▲ 0.50% · 4.625%
HK$39,806
+HK$1,994/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$75,624/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,696 · 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).