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$17,747
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,299
−HK$561/mo
Today · 4.125%
HK$18,860
baseline
▲ 0.50% · 4.625%
HK$20,008
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,720/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,744
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,273
−HK$537/mo
Today · 4.125%
HK$20,810
baseline
▲ 0.50% · 4.625%
HK$21,907
+HK$1,097/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,620/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,297
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,959
−HK$673/mo
Today · 4.125%
HK$22,632
baseline
▲ 0.50% · 4.625%
HK$24,009
+HK$1,377/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,264/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,692
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,328
−HK$644/mo
Today · 4.125%
HK$24,972
baseline
▲ 0.50% · 4.625%
HK$26,289
+HK$1,317/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,944/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,846
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,619
−HK$785/mo
Today · 4.125%
HK$26,404
baseline
▲ 0.50% · 4.625%
HK$28,011
+HK$1,607/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$52,808/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,641
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,382
−HK$752/mo
Today · 4.125%
HK$29,134
baseline
▲ 0.50% · 4.625%
HK$30,670
+HK$1,536/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$58,268/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,945
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,939
−HK$1,009/mo
Today · 4.125%
HK$33,948
baseline
▲ 0.50% · 4.625%
HK$36,014
+HK$2,066/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,896/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,539
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,492
−HK$967/mo
Today · 4.125%
HK$37,459
baseline
▲ 0.50% · 4.625%
HK$39,433
+HK$1,974/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,918/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,490 · 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).