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$17,726
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,278
−HK$560/mo
Today · 4.125%
HK$18,838
baseline
▲ 0.50% · 4.625%
HK$19,984
+HK$1,146/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,676/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,720
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,249
−HK$537/mo
Today · 4.125%
HK$20,786
baseline
▲ 0.50% · 4.625%
HK$21,881
+HK$1,095/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,572/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,271
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,933
−HK$672/mo
Today · 4.125%
HK$22,605
baseline
▲ 0.50% · 4.625%
HK$23,981
+HK$1,376/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,210/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,664
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,299
−HK$644/mo
Today · 4.125%
HK$24,943
baseline
▲ 0.50% · 4.625%
HK$26,257
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,886/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,817
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,589
−HK$784/mo
Today · 4.125%
HK$26,373
baseline
▲ 0.50% · 4.625%
HK$27,978
+HK$1,605/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,746/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,608
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,349
−HK$751/mo
Today · 4.125%
HK$29,100
baseline
▲ 0.50% · 4.625%
HK$30,634
+HK$1,534/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,200/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,907
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,900
−HK$1,008/mo
Today · 4.125%
HK$33,908
baseline
▲ 0.50% · 4.625%
HK$35,971
+HK$2,063/mo
Deposit HK$777K · loan HK$7.00M · min. income ≈ HK$67,816/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,496
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,448
−HK$966/mo
Today · 4.125%
HK$37,414
baseline
▲ 0.50% · 4.625%
HK$39,386
+HK$1,972/mo
Deposit HK$777K · loan HK$7.00M · min. income ≈ HK$74,828/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,213 · 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).