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$17,903
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,460
−HK$566/mo
Today · 4.125%
HK$19,026
baseline
▲ 0.50% · 4.625%
HK$20,184
+HK$1,158/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,052/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,917
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,451
−HK$542/mo
Today · 4.125%
HK$20,993
baseline
▲ 0.50% · 4.625%
HK$22,100
+HK$1,107/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$41,986/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,484
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,152
−HK$679/mo
Today · 4.125%
HK$22,831
baseline
▲ 0.50% · 4.625%
HK$24,220
+HK$1,389/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,662/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,901
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,542
−HK$650/mo
Today · 4.125%
HK$25,192
baseline
▲ 0.50% · 4.625%
HK$26,520
+HK$1,328/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,384/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,065
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,844
−HK$792/mo
Today · 4.125%
HK$26,636
baseline
▲ 0.50% · 4.625%
HK$28,257
+HK$1,621/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,272/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,884
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,632
−HK$759/mo
Today · 4.125%
HK$29,391
baseline
▲ 0.50% · 4.625%
HK$30,940
+HK$1,549/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,782/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,226
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,228
−HK$1,019/mo
Today · 4.125%
HK$34,247
baseline
▲ 0.50% · 4.625%
HK$36,331
+HK$2,084/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$68,494/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,851
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,813
−HK$975/mo
Today · 4.125%
HK$37,788
baseline
▲ 0.50% · 4.625%
HK$39,780
+HK$1,992/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$75,576/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,544 · 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).