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$17,909
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,466
−HK$566/mo
Today · 4.125%
HK$19,032
baseline
▲ 0.50% · 4.625%
HK$20,190
+HK$1,158/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,064/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,924
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,458
−HK$542/mo
Today · 4.125%
HK$21,000
baseline
▲ 0.50% · 4.625%
HK$22,107
+HK$1,107/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,000/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,491
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,160
−HK$679/mo
Today · 4.125%
HK$22,839
baseline
▲ 0.50% · 4.625%
HK$24,228
+HK$1,389/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,678/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,909
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,550
−HK$650/mo
Today · 4.125%
HK$25,200
baseline
▲ 0.50% · 4.625%
HK$26,529
+HK$1,329/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,400/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,073
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,853
−HK$792/mo
Today · 4.125%
HK$26,645
baseline
▲ 0.50% · 4.625%
HK$28,267
+HK$1,622/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,290/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,893
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,641
−HK$759/mo
Today · 4.125%
HK$29,400
baseline
▲ 0.50% · 4.625%
HK$30,950
+HK$1,550/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,800/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,237
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,239
−HK$1,019/mo
Today · 4.125%
HK$34,258
baseline
▲ 0.50% · 4.625%
HK$36,343
+HK$2,085/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$68,516/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,863
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,825
−HK$975/mo
Today · 4.125%
HK$37,800
baseline
▲ 0.50% · 4.625%
HK$39,793
+HK$1,993/mo
Deposit HK$785K · loan HK$7.07M · min. income ≈ HK$75,600/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,622 · 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).