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$17,740
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,291
−HK$561/mo
Today · 4.125%
HK$18,852
baseline
▲ 0.50% · 4.625%
HK$19,999
+HK$1,147/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,704/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,735
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,264
−HK$537/mo
Today · 4.125%
HK$20,801
baseline
▲ 0.50% · 4.625%
HK$21,898
+HK$1,097/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,602/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,287
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,950
−HK$672/mo
Today · 4.125%
HK$22,622
baseline
▲ 0.50% · 4.625%
HK$23,999
+HK$1,377/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,244/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,682
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,317
−HK$645/mo
Today · 4.125%
HK$24,962
baseline
▲ 0.50% · 4.625%
HK$26,277
+HK$1,315/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,924/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,835
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,608
−HK$785/mo
Today · 4.125%
HK$26,393
baseline
▲ 0.50% · 4.625%
HK$27,999
+HK$1,606/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$52,786/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,629
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,370
−HK$752/mo
Today · 4.125%
HK$29,122
baseline
▲ 0.50% · 4.625%
HK$30,657
+HK$1,535/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$58,244/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,931
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,924
−HK$1,010/mo
Today · 4.125%
HK$33,934
baseline
▲ 0.50% · 4.625%
HK$35,998
+HK$2,064/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,868/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,523
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,476
−HK$966/mo
Today · 4.125%
HK$37,442
baseline
▲ 0.50% · 4.625%
HK$39,416
+HK$1,974/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,884/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,389 · 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).