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$17,742
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,294
−HK$561/mo
Today · 4.125%
HK$18,855
baseline
▲ 0.50% · 4.625%
HK$20,002
+HK$1,147/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,710/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,738
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,268
−HK$537/mo
Today · 4.125%
HK$20,805
baseline
▲ 0.50% · 4.625%
HK$21,901
+HK$1,096/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,610/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,291
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,953
−HK$673/mo
Today · 4.125%
HK$22,626
baseline
▲ 0.50% · 4.625%
HK$24,003
+HK$1,377/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,252/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,686
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,321
−HK$645/mo
Today · 4.125%
HK$24,966
baseline
▲ 0.50% · 4.625%
HK$26,282
+HK$1,316/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,932/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,839
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,612
−HK$785/mo
Today · 4.125%
HK$26,397
baseline
▲ 0.50% · 4.625%
HK$28,003
+HK$1,606/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$52,794/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,634
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,375
−HK$751/mo
Today · 4.125%
HK$29,126
baseline
▲ 0.50% · 4.625%
HK$30,662
+HK$1,536/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$58,252/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,936
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,930
−HK$1,009/mo
Today · 4.125%
HK$33,939
baseline
▲ 0.50% · 4.625%
HK$36,004
+HK$2,065/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,878/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,529
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,482
−HK$966/mo
Today · 4.125%
HK$37,448
baseline
▲ 0.50% · 4.625%
HK$39,422
+HK$1,974/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,896/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,427 · 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).