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$17,748
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,300
−HK$561/mo
Today · 4.125%
HK$18,861
baseline
▲ 0.50% · 4.625%
HK$20,009
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,722/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,744
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,274
−HK$537/mo
Today · 4.125%
HK$20,811
baseline
▲ 0.50% · 4.625%
HK$21,908
+HK$1,097/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,622/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,298
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,960
−HK$673/mo
Today · 4.125%
HK$22,633
baseline
▲ 0.50% · 4.625%
HK$24,010
+HK$1,377/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,266/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,693
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,329
−HK$644/mo
Today · 4.125%
HK$24,973
baseline
▲ 0.50% · 4.625%
HK$26,290
+HK$1,317/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,946/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,847
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,620
−HK$785/mo
Today · 4.125%
HK$26,405
baseline
▲ 0.50% · 4.625%
HK$28,012
+HK$1,607/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$52,810/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,642
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,384
−HK$752/mo
Today · 4.125%
HK$29,136
baseline
▲ 0.50% · 4.625%
HK$30,671
+HK$1,535/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$58,272/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,946
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,940
−HK$1,010/mo
Today · 4.125%
HK$33,950
baseline
▲ 0.50% · 4.625%
HK$36,015
+HK$2,065/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,900/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,540
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,493
−HK$967/mo
Today · 4.125%
HK$37,460
baseline
▲ 0.50% · 4.625%
HK$39,435
+HK$1,975/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,920/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,500 · 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).