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$17,739
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,291
−HK$560/mo
Today · 4.125%
HK$18,851
baseline
▲ 0.50% · 4.625%
HK$19,998
+HK$1,147/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,702/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,734
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,264
−HK$536/mo
Today · 4.125%
HK$20,800
baseline
▲ 0.50% · 4.625%
HK$21,897
+HK$1,097/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,600/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,287
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,949
−HK$672/mo
Today · 4.125%
HK$22,621
baseline
▲ 0.50% · 4.625%
HK$23,998
+HK$1,377/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,242/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,681
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,316
−HK$645/mo
Today · 4.125%
HK$24,961
baseline
▲ 0.50% · 4.625%
HK$26,276
+HK$1,315/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,922/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,834
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,607
−HK$785/mo
Today · 4.125%
HK$26,392
baseline
▲ 0.50% · 4.625%
HK$27,998
+HK$1,606/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$52,784/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,628
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,369
−HK$752/mo
Today · 4.125%
HK$29,121
baseline
▲ 0.50% · 4.625%
HK$30,656
+HK$1,535/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$58,242/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,930
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,923
−HK$1,009/mo
Today · 4.125%
HK$33,932
baseline
▲ 0.50% · 4.625%
HK$35,997
+HK$2,065/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,864/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,522
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,474
−HK$967/mo
Today · 4.125%
HK$37,441
baseline
▲ 0.50% · 4.625%
HK$39,414
+HK$1,973/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,882/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,380 · 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).