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$17,727
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,278
−HK$560/mo
Today · 4.125%
HK$18,838
baseline
▲ 0.50% · 4.625%
HK$19,985
+HK$1,147/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,676/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,721
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,250
−HK$536/mo
Today · 4.125%
HK$20,786
baseline
▲ 0.50% · 4.625%
HK$21,882
+HK$1,096/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,572/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,272
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,934
−HK$672/mo
Today · 4.125%
HK$22,606
baseline
▲ 0.50% · 4.625%
HK$23,982
+HK$1,376/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,212/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,665
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,300
−HK$644/mo
Today · 4.125%
HK$24,944
baseline
▲ 0.50% · 4.625%
HK$26,258
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,888/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,818
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,589
−HK$785/mo
Today · 4.125%
HK$26,374
baseline
▲ 0.50% · 4.625%
HK$27,979
+HK$1,605/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,748/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,609
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,350
−HK$751/mo
Today · 4.125%
HK$29,101
baseline
▲ 0.50% · 4.625%
HK$30,635
+HK$1,534/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,202/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,908
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,901
−HK$1,008/mo
Today · 4.125%
HK$33,909
baseline
▲ 0.50% · 4.625%
HK$35,972
+HK$2,063/mo
Deposit HK$777K · loan HK$7.00M · min. income ≈ HK$67,818/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,498
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,450
−HK$965/mo
Today · 4.125%
HK$37,415
baseline
▲ 0.50% · 4.625%
HK$39,388
+HK$1,973/mo
Deposit HK$777K · loan HK$7.00M · min. income ≈ HK$74,830/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,222 · 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).