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$17,928
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,486
−HK$567/mo
Today · 4.125%
HK$19,053
baseline
▲ 0.50% · 4.625%
HK$20,212
+HK$1,159/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,106/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,945
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,480
−HK$543/mo
Today · 4.125%
HK$21,023
baseline
▲ 0.50% · 4.625%
HK$22,131
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,046/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,514
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,183
−HK$680/mo
Today · 4.125%
HK$22,863
baseline
▲ 0.50% · 4.625%
HK$24,254
+HK$1,391/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$45,726/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,934
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,576
−HK$651/mo
Today · 4.125%
HK$25,227
baseline
▲ 0.50% · 4.625%
HK$26,557
+HK$1,330/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$50,454/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,100
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,880
−HK$794/mo
Today · 4.125%
HK$26,674
baseline
▲ 0.50% · 4.625%
HK$28,297
+HK$1,623/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,348/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,923
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,672
−HK$760/mo
Today · 4.125%
HK$29,432
baseline
▲ 0.50% · 4.625%
HK$30,983
+HK$1,551/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,864/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,271
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,275
−HK$1,020/mo
Today · 4.125%
HK$34,295
baseline
▲ 0.50% · 4.625%
HK$36,381
+HK$2,086/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$68,590/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,901
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,864
−HK$977/mo
Today · 4.125%
HK$37,841
baseline
▲ 0.50% · 4.625%
HK$39,835
+HK$1,994/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$75,682/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,872 · 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).