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$17,733
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,284
−HK$561/mo
Today · 4.125%
HK$18,845
baseline
▲ 0.50% · 4.625%
HK$19,991
+HK$1,146/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,690/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,727
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,256
−HK$537/mo
Today · 4.125%
HK$20,793
baseline
▲ 0.50% · 4.625%
HK$21,889
+HK$1,096/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,586/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,279
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,941
−HK$673/mo
Today · 4.125%
HK$22,614
baseline
▲ 0.50% · 4.625%
HK$23,990
+HK$1,376/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,228/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,673
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,308
−HK$644/mo
Today · 4.125%
HK$24,952
baseline
▲ 0.50% · 4.625%
HK$26,267
+HK$1,315/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,904/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,826
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,598
−HK$784/mo
Today · 4.125%
HK$26,382
baseline
▲ 0.50% · 4.625%
HK$27,988
+HK$1,606/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,764/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,618
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,359
−HK$751/mo
Today · 4.125%
HK$29,110
baseline
▲ 0.50% · 4.625%
HK$30,645
+HK$1,535/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,220/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,919
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,912
−HK$1,008/mo
Today · 4.125%
HK$33,920
baseline
▲ 0.50% · 4.625%
HK$35,984
+HK$2,064/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,840/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,509
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,462
−HK$966/mo
Today · 4.125%
HK$37,428
baseline
▲ 0.50% · 4.625%
HK$39,401
+HK$1,973/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,856/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,298 · 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).