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$17,900
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,457
−HK$566/mo
Today · 4.125%
HK$19,023
baseline
▲ 0.50% · 4.625%
HK$20,180
+HK$1,157/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,046/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,914
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,448
−HK$542/mo
Today · 4.125%
HK$20,990
baseline
▲ 0.50% · 4.625%
HK$22,096
+HK$1,106/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$41,980/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,480
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,149
−HK$678/mo
Today · 4.125%
HK$22,827
baseline
▲ 0.50% · 4.625%
HK$24,216
+HK$1,389/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,654/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,897
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,538
−HK$650/mo
Today · 4.125%
HK$25,188
baseline
▲ 0.50% · 4.625%
HK$26,516
+HK$1,328/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,376/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,061
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,840
−HK$792/mo
Today · 4.125%
HK$26,632
baseline
▲ 0.50% · 4.625%
HK$28,253
+HK$1,621/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,264/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,880
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,627
−HK$759/mo
Today · 4.125%
HK$29,386
baseline
▲ 0.50% · 4.625%
HK$30,935
+HK$1,549/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,772/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,221
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,223
−HK$1,018/mo
Today · 4.125%
HK$34,241
baseline
▲ 0.50% · 4.625%
HK$36,325
+HK$2,084/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$68,482/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,845
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,807
−HK$975/mo
Today · 4.125%
HK$37,782
baseline
▲ 0.50% · 4.625%
HK$39,773
+HK$1,991/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$75,564/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,506 · 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).