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$17,905
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,462
−HK$566/mo
Today · 4.125%
HK$19,028
baseline
▲ 0.50% · 4.625%
HK$20,186
+HK$1,158/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,056/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,919
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,454
−HK$542/mo
Today · 4.125%
HK$20,996
baseline
▲ 0.50% · 4.625%
HK$22,102
+HK$1,106/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$41,992/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,486
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,155
−HK$679/mo
Today · 4.125%
HK$22,834
baseline
▲ 0.50% · 4.625%
HK$24,223
+HK$1,389/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,668/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,903
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,544
−HK$651/mo
Today · 4.125%
HK$25,195
baseline
▲ 0.50% · 4.625%
HK$26,523
+HK$1,328/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,390/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,067
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,847
−HK$792/mo
Today · 4.125%
HK$26,639
baseline
▲ 0.50% · 4.625%
HK$28,260
+HK$1,621/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,278/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,887
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,635
−HK$759/mo
Today · 4.125%
HK$29,394
baseline
▲ 0.50% · 4.625%
HK$30,943
+HK$1,549/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,788/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,229
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,232
−HK$1,018/mo
Today · 4.125%
HK$34,250
baseline
▲ 0.50% · 4.625%
HK$36,334
+HK$2,084/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$68,500/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,855
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,816
−HK$976/mo
Today · 4.125%
HK$37,792
baseline
▲ 0.50% · 4.625%
HK$39,784
+HK$1,992/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$75,584/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,569 · 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).