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$17,746
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,298
−HK$561/mo
Today · 4.125%
HK$18,859
baseline
▲ 0.50% · 4.625%
HK$20,006
+HK$1,147/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,718/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,742
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,272
−HK$537/mo
Today · 4.125%
HK$20,809
baseline
▲ 0.50% · 4.625%
HK$21,906
+HK$1,097/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,618/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,295
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,958
−HK$673/mo
Today · 4.125%
HK$22,631
baseline
▲ 0.50% · 4.625%
HK$24,008
+HK$1,377/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,262/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,691
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,326
−HK$645/mo
Today · 4.125%
HK$24,971
baseline
▲ 0.50% · 4.625%
HK$26,287
+HK$1,316/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,942/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,844
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,617
−HK$785/mo
Today · 4.125%
HK$26,402
baseline
▲ 0.50% · 4.625%
HK$28,009
+HK$1,607/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$52,804/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,639
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,380
−HK$752/mo
Today · 4.125%
HK$29,132
baseline
▲ 0.50% · 4.625%
HK$30,668
+HK$1,536/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$58,264/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,943
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,936
−HK$1,010/mo
Today · 4.125%
HK$33,946
baseline
▲ 0.50% · 4.625%
HK$36,011
+HK$2,065/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,892/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,536
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,489
−HK$967/mo
Today · 4.125%
HK$37,456
baseline
▲ 0.50% · 4.625%
HK$39,430
+HK$1,974/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,912/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,474 · 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).