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$17,920
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,477
−HK$567/mo
Today · 4.125%
HK$19,044
baseline
▲ 0.50% · 4.625%
HK$20,202
+HK$1,158/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,088/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,936
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,470
−HK$543/mo
Today · 4.125%
HK$21,013
baseline
▲ 0.50% · 4.625%
HK$22,120
+HK$1,107/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,026/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,504
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,173
−HK$679/mo
Today · 4.125%
HK$22,852
baseline
▲ 0.50% · 4.625%
HK$24,243
+HK$1,391/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$45,704/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,923
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,564
−HK$651/mo
Today · 4.125%
HK$25,215
baseline
▲ 0.50% · 4.625%
HK$26,544
+HK$1,329/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$50,430/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,088
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,868
−HK$793/mo
Today · 4.125%
HK$26,661
baseline
▲ 0.50% · 4.625%
HK$28,283
+HK$1,622/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,322/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,910
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,658
−HK$760/mo
Today · 4.125%
HK$29,418
baseline
▲ 0.50% · 4.625%
HK$30,968
+HK$1,550/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,836/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,256
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,259
−HK$1,019/mo
Today · 4.125%
HK$34,278
baseline
▲ 0.50% · 4.625%
HK$36,364
+HK$2,086/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$68,556/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,884
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,847
−HK$976/mo
Today · 4.125%
HK$37,823
baseline
▲ 0.50% · 4.625%
HK$39,817
+HK$1,994/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$75,646/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,762 · 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).