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$17,735
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,286
−HK$561/mo
Today · 4.125%
HK$18,847
baseline
▲ 0.50% · 4.625%
HK$19,994
+HK$1,147/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,694/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,730
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,259
−HK$537/mo
Today · 4.125%
HK$20,796
baseline
▲ 0.50% · 4.625%
HK$21,892
+HK$1,096/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,592/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,282
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,944
−HK$672/mo
Today · 4.125%
HK$22,616
baseline
▲ 0.50% · 4.625%
HK$23,992
+HK$1,376/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,232/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,676
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,311
−HK$644/mo
Today · 4.125%
HK$24,955
baseline
▲ 0.50% · 4.625%
HK$26,270
+HK$1,315/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,910/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,829
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,601
−HK$785/mo
Today · 4.125%
HK$26,386
baseline
▲ 0.50% · 4.625%
HK$27,991
+HK$1,605/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,772/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,622
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,362
−HK$752/mo
Today · 4.125%
HK$29,114
baseline
▲ 0.50% · 4.625%
HK$30,648
+HK$1,534/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,228/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,922
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,915
−HK$1,009/mo
Today · 4.125%
HK$33,924
baseline
▲ 0.50% · 4.625%
HK$35,988
+HK$2,064/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,848/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,513
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,466
−HK$966/mo
Today · 4.125%
HK$37,432
baseline
▲ 0.50% · 4.625%
HK$39,405
+HK$1,973/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,864/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,325 · 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).