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$17,931
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,488
−HK$567/mo
Today · 4.125%
HK$19,055
baseline
▲ 0.50% · 4.625%
HK$20,214
+HK$1,159/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,110/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,948
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,482
−HK$543/mo
Today · 4.125%
HK$21,025
baseline
▲ 0.50% · 4.625%
HK$22,133
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,050/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,517
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,186
−HK$680/mo
Today · 4.125%
HK$22,866
baseline
▲ 0.50% · 4.625%
HK$24,257
+HK$1,391/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,732/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,937
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,579
−HK$651/mo
Today · 4.125%
HK$25,230
baseline
▲ 0.50% · 4.625%
HK$26,560
+HK$1,330/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,460/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,103
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,884
−HK$793/mo
Today · 4.125%
HK$26,677
baseline
▲ 0.50% · 4.625%
HK$28,300
+HK$1,623/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,354/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,927
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,675
−HK$760/mo
Today · 4.125%
HK$29,435
baseline
▲ 0.50% · 4.625%
HK$30,987
+HK$1,552/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,870/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,275
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,279
−HK$1,020/mo
Today · 4.125%
HK$34,299
baseline
▲ 0.50% · 4.625%
HK$36,386
+HK$2,087/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$68,598/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,906
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,868
−HK$977/mo
Today · 4.125%
HK$37,845
baseline
▲ 0.50% · 4.625%
HK$39,840
+HK$1,995/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$75,690/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,902 · 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).