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$17,736
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,288
−HK$560/mo
Today · 4.125%
HK$18,848
baseline
▲ 0.50% · 4.625%
HK$19,995
+HK$1,147/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,696/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,731
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,260
−HK$537/mo
Today · 4.125%
HK$20,797
baseline
▲ 0.50% · 4.625%
HK$21,893
+HK$1,096/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,594/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,283
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,945
−HK$673/mo
Today · 4.125%
HK$22,618
baseline
▲ 0.50% · 4.625%
HK$23,994
+HK$1,376/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,236/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,677
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,312
−HK$644/mo
Today · 4.125%
HK$24,956
baseline
▲ 0.50% · 4.625%
HK$26,272
+HK$1,316/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,912/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,830
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,603
−HK$784/mo
Today · 4.125%
HK$26,387
baseline
▲ 0.50% · 4.625%
HK$27,993
+HK$1,606/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,774/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,623
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,364
−HK$752/mo
Today · 4.125%
HK$29,116
baseline
▲ 0.50% · 4.625%
HK$30,650
+HK$1,534/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,232/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,925
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,918
−HK$1,008/mo
Today · 4.125%
HK$33,926
baseline
▲ 0.50% · 4.625%
HK$35,991
+HK$2,065/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,852/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,516
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,468
−HK$967/mo
Today · 4.125%
HK$37,435
baseline
▲ 0.50% · 4.625%
HK$39,408
+HK$1,973/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,870/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,341 · 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).