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$17,725
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,277
−HK$560/mo
Today · 4.125%
HK$18,837
baseline
▲ 0.50% · 4.625%
HK$19,983
+HK$1,146/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,674/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,719
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,248
−HK$537/mo
Today · 4.125%
HK$20,785
baseline
▲ 0.50% · 4.625%
HK$21,880
+HK$1,095/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,570/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,271
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,932
−HK$672/mo
Today · 4.125%
HK$22,604
baseline
▲ 0.50% · 4.625%
HK$23,980
+HK$1,376/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,208/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,663
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,298
−HK$644/mo
Today · 4.125%
HK$24,942
baseline
▲ 0.50% · 4.625%
HK$26,256
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,884/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,816
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,588
−HK$784/mo
Today · 4.125%
HK$26,372
baseline
▲ 0.50% · 4.625%
HK$27,976
+HK$1,604/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,744/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,607
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,348
−HK$751/mo
Today · 4.125%
HK$29,099
baseline
▲ 0.50% · 4.625%
HK$30,632
+HK$1,533/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,198/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,906
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,898
−HK$1,009/mo
Today · 4.125%
HK$33,907
baseline
▲ 0.50% · 4.625%
HK$35,970
+HK$2,063/mo
Deposit HK$777K · loan HK$7.00M · min. income ≈ HK$67,814/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,495
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,447
−HK$966/mo
Today · 4.125%
HK$37,413
baseline
▲ 0.50% · 4.625%
HK$39,385
+HK$1,972/mo
Deposit HK$777K · loan HK$7.00M · min. income ≈ HK$74,826/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,204 · 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).