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$17,723
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,275
−HK$560/mo
Today · 4.125%
HK$18,835
baseline
▲ 0.50% · 4.625%
HK$19,981
+HK$1,146/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,670/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,717
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,246
−HK$536/mo
Today · 4.125%
HK$20,782
baseline
▲ 0.50% · 4.625%
HK$21,878
+HK$1,096/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,564/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,268
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,930
−HK$672/mo
Today · 4.125%
HK$22,602
baseline
▲ 0.50% · 4.625%
HK$23,977
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,204/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,661
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,295
−HK$644/mo
Today · 4.125%
HK$24,939
baseline
▲ 0.50% · 4.625%
HK$26,253
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,878/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,813
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,585
−HK$784/mo
Today · 4.125%
HK$26,369
baseline
▲ 0.50% · 4.625%
HK$27,973
+HK$1,604/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,738/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,604
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,344
−HK$751/mo
Today · 4.125%
HK$29,095
baseline
▲ 0.50% · 4.625%
HK$30,629
+HK$1,534/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,190/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,902
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,895
−HK$1,008/mo
Today · 4.125%
HK$33,903
baseline
▲ 0.50% · 4.625%
HK$35,966
+HK$2,063/mo
Deposit HK$777K · loan HK$7.00M · min. income ≈ HK$67,806/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,491
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,443
−HK$965/mo
Today · 4.125%
HK$37,408
baseline
▲ 0.50% · 4.625%
HK$39,380
+HK$1,972/mo
Deposit HK$777K · loan HK$7.00M · min. income ≈ HK$74,816/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,178 · 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).