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$17,738
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,290
−HK$561/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$233,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,734
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,263
−HK$537/mo
Today · 4.125%
HK$20,800
baseline
▲ 0.50% · 4.625%
HK$21,896
+HK$1,096/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$233,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,286
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,948
−HK$673/mo
Today · 4.125%
HK$22,621
baseline
▲ 0.50% · 4.625%
HK$23,997
+HK$1,376/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$233,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,681
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,316
−HK$644/mo
Today · 4.125%
HK$24,960
baseline
▲ 0.50% · 4.625%
HK$26,276
+HK$1,316/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,920/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,834
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,606
−HK$785/mo
Today · 4.125%
HK$26,391
baseline
▲ 0.50% · 4.625%
HK$27,997
+HK$1,606/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$52,782/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,627
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,368
−HK$752/mo
Today · 4.125%
HK$29,120
baseline
▲ 0.50% · 4.625%
HK$30,655
+HK$1,535/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$58,240/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,929
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,922
−HK$1,009/mo
Today · 4.125%
HK$33,931
baseline
▲ 0.50% · 4.625%
HK$35,996
+HK$2,065/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,862/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,521
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,474
−HK$966/mo
Today · 4.125%
HK$37,440
baseline
▲ 0.50% · 4.625%
HK$39,414
+HK$1,974/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,880/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,375 · 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).