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$20,183
+HK$1,157/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$235,539 · 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$22,099
+HK$1,106/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$235,539 · 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$235,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,900
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,541
−HK$650/mo
Today · 4.125%
HK$25,191
baseline
▲ 0.50% · 4.625%
HK$26,519
+HK$1,328/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,382/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,064
−HK$1,572/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$235,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,884
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,631
−HK$759/mo
Today · 4.125%
HK$29,390
baseline
▲ 0.50% · 4.625%
HK$30,939
+HK$1,549/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,780/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,225
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,228
−HK$1,018/mo
Today · 4.125%
HK$34,246
baseline
▲ 0.50% · 4.625%
HK$36,330
+HK$2,084/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$68,492/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,850
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,812
−HK$975/mo
Today · 4.125%
HK$37,787
baseline
▲ 0.50% · 4.625%
HK$39,779
+HK$1,992/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$75,574/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,539 · 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).