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$17,728
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,279
−HK$560/mo
Today · 4.125%
HK$18,839
baseline
▲ 0.50% · 4.625%
HK$19,986
+HK$1,147/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,678/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,722
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,251
−HK$536/mo
Today · 4.125%
HK$20,787
baseline
▲ 0.50% · 4.625%
HK$21,883
+HK$1,096/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,574/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,273
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,935
−HK$672/mo
Today · 4.125%
HK$22,607
baseline
▲ 0.50% · 4.625%
HK$23,983
+HK$1,376/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,214/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,666
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,301
−HK$644/mo
Today · 4.125%
HK$24,945
baseline
▲ 0.50% · 4.625%
HK$26,260
+HK$1,315/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,890/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,819
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,591
−HK$784/mo
Today · 4.125%
HK$26,375
baseline
▲ 0.50% · 4.625%
HK$27,980
+HK$1,605/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,750/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,610
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,351
−HK$751/mo
Today · 4.125%
HK$29,102
baseline
▲ 0.50% · 4.625%
HK$30,636
+HK$1,534/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,204/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,910
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,902
−HK$1,009/mo
Today · 4.125%
HK$33,911
baseline
▲ 0.50% · 4.625%
HK$35,974
+HK$2,063/mo
Deposit HK$777K · loan HK$7.00M · min. income ≈ HK$67,822/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,499
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,451
−HK$966/mo
Today · 4.125%
HK$37,417
baseline
▲ 0.50% · 4.625%
HK$39,389
+HK$1,972/mo
Deposit HK$777K · loan HK$7.00M · min. income ≈ HK$74,834/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,232 · 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).