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$17,912
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,469
−HK$566/mo
Today · 4.125%
HK$19,035
baseline
▲ 0.50% · 4.625%
HK$20,193
+HK$1,158/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,070/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,927
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,461
−HK$542/mo
Today · 4.125%
HK$21,003
baseline
▲ 0.50% · 4.625%
HK$22,110
+HK$1,107/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,006/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,494
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,163
−HK$679/mo
Today · 4.125%
HK$22,842
baseline
▲ 0.50% · 4.625%
HK$24,232
+HK$1,390/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,684/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,912
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,553
−HK$651/mo
Today · 4.125%
HK$25,204
baseline
▲ 0.50% · 4.625%
HK$26,533
+HK$1,329/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,408/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,077
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,857
−HK$792/mo
Today · 4.125%
HK$26,649
baseline
▲ 0.50% · 4.625%
HK$28,271
+HK$1,622/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,298/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,897
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,646
−HK$759/mo
Today · 4.125%
HK$29,405
baseline
▲ 0.50% · 4.625%
HK$30,955
+HK$1,550/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,810/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,241
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,244
−HK$1,019/mo
Today · 4.125%
HK$34,263
baseline
▲ 0.50% · 4.625%
HK$36,348
+HK$2,085/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$68,526/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,868
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,830
−HK$976/mo
Today · 4.125%
HK$37,806
baseline
▲ 0.50% · 4.625%
HK$39,799
+HK$1,993/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$75,612/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,656 · 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).