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$17,743
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,295
−HK$561/mo
Today · 4.125%
HK$18,856
baseline
▲ 0.50% · 4.625%
HK$20,003
+HK$1,147/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,712/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,739
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,268
−HK$537/mo
Today · 4.125%
HK$20,805
baseline
▲ 0.50% · 4.625%
HK$21,902
+HK$1,097/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,610/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,292
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,954
−HK$673/mo
Today · 4.125%
HK$22,627
baseline
▲ 0.50% · 4.625%
HK$24,004
+HK$1,377/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,254/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,687
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,322
−HK$644/mo
Today · 4.125%
HK$24,966
baseline
▲ 0.50% · 4.625%
HK$26,282
+HK$1,316/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,932/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,840
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,613
−HK$785/mo
Today · 4.125%
HK$26,398
baseline
▲ 0.50% · 4.625%
HK$28,004
+HK$1,606/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$52,796/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,634
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,376
−HK$752/mo
Today · 4.125%
HK$29,128
baseline
▲ 0.50% · 4.625%
HK$30,663
+HK$1,535/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$58,256/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,937
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,931
−HK$1,009/mo
Today · 4.125%
HK$33,940
baseline
▲ 0.50% · 4.625%
HK$36,005
+HK$2,065/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,880/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,530
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,483
−HK$967/mo
Today · 4.125%
HK$37,450
baseline
▲ 0.50% · 4.625%
HK$39,424
+HK$1,974/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,900/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,435 · 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).