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$17,726
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,277
−HK$560/mo
Today · 4.125%
HK$18,837
baseline
▲ 0.50% · 4.625%
HK$19,984
+HK$1,147/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,674/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,720
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,249
−HK$536/mo
Today · 4.125%
HK$20,785
baseline
▲ 0.50% · 4.625%
HK$21,881
+HK$1,096/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,570/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,271
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,933
−HK$672/mo
Today · 4.125%
HK$22,605
baseline
▲ 0.50% · 4.625%
HK$23,980
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,210/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,664
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,298
−HK$644/mo
Today · 4.125%
HK$24,942
baseline
▲ 0.50% · 4.625%
HK$26,257
+HK$1,315/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,884/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,816
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,588
−HK$784/mo
Today · 4.125%
HK$26,372
baseline
▲ 0.50% · 4.625%
HK$27,977
+HK$1,605/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,744/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,608
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,348
−HK$751/mo
Today · 4.125%
HK$29,099
baseline
▲ 0.50% · 4.625%
HK$30,633
+HK$1,534/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,198/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,907
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,899
−HK$1,008/mo
Today · 4.125%
HK$33,907
baseline
▲ 0.50% · 4.625%
HK$35,971
+HK$2,064/mo
Deposit HK$777K · loan HK$7.00M · min. income ≈ HK$67,814/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,496
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,448
−HK$965/mo
Today · 4.125%
HK$37,413
baseline
▲ 0.50% · 4.625%
HK$39,386
+HK$1,973/mo
Deposit HK$777K · loan HK$7.00M · min. income ≈ HK$74,826/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,210 · 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).