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$17,906
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,463
−HK$566/mo
Today · 4.125%
HK$19,029
baseline
▲ 0.50% · 4.625%
HK$20,187
+HK$1,158/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,058/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,921
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,455
−HK$542/mo
Today · 4.125%
HK$20,997
baseline
▲ 0.50% · 4.625%
HK$22,104
+HK$1,107/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$41,994/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,488
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,156
−HK$679/mo
Today · 4.125%
HK$22,835
baseline
▲ 0.50% · 4.625%
HK$24,224
+HK$1,389/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,670/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,905
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,546
−HK$650/mo
Today · 4.125%
HK$25,196
baseline
▲ 0.50% · 4.625%
HK$26,524
+HK$1,328/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,392/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,069
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,849
−HK$792/mo
Today · 4.125%
HK$26,641
baseline
▲ 0.50% · 4.625%
HK$28,262
+HK$1,621/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,282/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,889
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,637
−HK$759/mo
Today · 4.125%
HK$29,396
baseline
▲ 0.50% · 4.625%
HK$30,945
+HK$1,549/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,792/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,231
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,234
−HK$1,019/mo
Today · 4.125%
HK$34,253
baseline
▲ 0.50% · 4.625%
HK$36,337
+HK$2,084/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$68,506/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,857
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,819
−HK$975/mo
Today · 4.125%
HK$37,794
baseline
▲ 0.50% · 4.625%
HK$39,787
+HK$1,993/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$75,588/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,583 · 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).