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$17,735
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,287
−HK$561/mo
Today · 4.125%
HK$18,848
baseline
▲ 0.50% · 4.625%
HK$19,994
+HK$1,146/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,696/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,730
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,260
−HK$536/mo
Today · 4.125%
HK$20,796
baseline
▲ 0.50% · 4.625%
HK$21,893
+HK$1,097/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,592/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,282
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,944
−HK$673/mo
Today · 4.125%
HK$22,617
baseline
▲ 0.50% · 4.625%
HK$23,993
+HK$1,376/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,234/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,676
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,311
−HK$645/mo
Today · 4.125%
HK$24,956
baseline
▲ 0.50% · 4.625%
HK$26,271
+HK$1,315/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,912/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,829
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,602
−HK$785/mo
Today · 4.125%
HK$26,387
baseline
▲ 0.50% · 4.625%
HK$27,992
+HK$1,605/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,774/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,623
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,363
−HK$752/mo
Today · 4.125%
HK$29,115
baseline
▲ 0.50% · 4.625%
HK$30,650
+HK$1,535/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,230/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,924
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,917
−HK$1,009/mo
Today · 4.125%
HK$33,926
baseline
▲ 0.50% · 4.625%
HK$35,990
+HK$2,064/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,852/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,515
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,467
−HK$966/mo
Today · 4.125%
HK$37,433
baseline
▲ 0.50% · 4.625%
HK$39,407
+HK$1,974/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,866/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,334 · 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).