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$17,744
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,296
−HK$561/mo
Today · 4.125%
HK$18,857
baseline
▲ 0.50% · 4.625%
HK$20,005
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,714/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,741
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,270
−HK$537/mo
Today · 4.125%
HK$20,807
baseline
▲ 0.50% · 4.625%
HK$21,904
+HK$1,097/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,614/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,293
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,956
−HK$673/mo
Today · 4.125%
HK$22,629
baseline
▲ 0.50% · 4.625%
HK$24,005
+HK$1,376/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,258/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,689
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,324
−HK$644/mo
Today · 4.125%
HK$24,968
baseline
▲ 0.50% · 4.625%
HK$26,285
+HK$1,317/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,936/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,842
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,615
−HK$785/mo
Today · 4.125%
HK$26,400
baseline
▲ 0.50% · 4.625%
HK$28,006
+HK$1,606/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$52,800/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,637
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,378
−HK$752/mo
Today · 4.125%
HK$29,130
baseline
▲ 0.50% · 4.625%
HK$30,665
+HK$1,535/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$58,260/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,940
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,933
−HK$1,010/mo
Today · 4.125%
HK$33,943
baseline
▲ 0.50% · 4.625%
HK$36,008
+HK$2,065/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,886/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,533
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,486
−HK$967/mo
Today · 4.125%
HK$37,453
baseline
▲ 0.50% · 4.625%
HK$39,427
+HK$1,974/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,906/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,454 · 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).