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$17,918
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,475
−HK$567/mo
Today · 4.125%
HK$19,042
baseline
▲ 0.50% · 4.625%
HK$20,200
+HK$1,158/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,084/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,934
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,468
−HK$542/mo
Today · 4.125%
HK$21,010
baseline
▲ 0.50% · 4.625%
HK$22,118
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,020/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,502
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,170
−HK$680/mo
Today · 4.125%
HK$22,850
baseline
▲ 0.50% · 4.625%
HK$24,240
+HK$1,390/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,700/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,920
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,562
−HK$651/mo
Today · 4.125%
HK$25,213
baseline
▲ 0.50% · 4.625%
HK$26,542
+HK$1,329/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,426/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,085
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,865
−HK$793/mo
Today · 4.125%
HK$26,658
baseline
▲ 0.50% · 4.625%
HK$28,280
+HK$1,622/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,316/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,907
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,655
−HK$760/mo
Today · 4.125%
HK$29,415
baseline
▲ 0.50% · 4.625%
HK$30,965
+HK$1,550/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,830/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,252
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,256
−HK$1,019/mo
Today · 4.125%
HK$34,275
baseline
▲ 0.50% · 4.625%
HK$36,360
+HK$2,085/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$68,550/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,880
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,843
−HK$976/mo
Today · 4.125%
HK$37,819
baseline
▲ 0.50% · 4.625%
HK$39,812
+HK$1,993/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$75,638/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,736 · 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).