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$17,728
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,280
−HK$560/mo
Today · 4.125%
HK$18,840
baseline
▲ 0.50% · 4.625%
HK$19,986
+HK$1,146/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,680/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,722
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,251
−HK$537/mo
Today · 4.125%
HK$20,788
baseline
▲ 0.50% · 4.625%
HK$21,884
+HK$1,096/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,576/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,274
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,935
−HK$673/mo
Today · 4.125%
HK$22,608
baseline
▲ 0.50% · 4.625%
HK$23,983
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,216/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,667
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,302
−HK$643/mo
Today · 4.125%
HK$24,945
baseline
▲ 0.50% · 4.625%
HK$26,260
+HK$1,315/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,890/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,819
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,591
−HK$785/mo
Today · 4.125%
HK$26,376
baseline
▲ 0.50% · 4.625%
HK$27,981
+HK$1,605/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,752/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,611
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,352
−HK$751/mo
Today · 4.125%
HK$29,103
baseline
▲ 0.50% · 4.625%
HK$30,637
+HK$1,534/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,206/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,911
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,903
−HK$1,009/mo
Today · 4.125%
HK$33,912
baseline
▲ 0.50% · 4.625%
HK$35,975
+HK$2,063/mo
Deposit HK$777K · loan HK$7.00M · min. income ≈ HK$67,824/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,500
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,452
−HK$966/mo
Today · 4.125%
HK$37,418
baseline
▲ 0.50% · 4.625%
HK$39,390
+HK$1,972/mo
Deposit HK$777K · loan HK$7.00M · min. income ≈ HK$74,836/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,239 · 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).