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$17,734
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,286
−HK$560/mo
Today · 4.125%
HK$18,846
baseline
▲ 0.50% · 4.625%
HK$19,993
+HK$1,147/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,692/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,729
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,258
−HK$537/mo
Today · 4.125%
HK$20,795
baseline
▲ 0.50% · 4.625%
HK$21,891
+HK$1,096/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,590/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,281
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,943
−HK$673/mo
Today · 4.125%
HK$22,616
baseline
▲ 0.50% · 4.625%
HK$23,992
+HK$1,376/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,232/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,675
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,310
−HK$644/mo
Today · 4.125%
HK$24,954
baseline
▲ 0.50% · 4.625%
HK$26,270
+HK$1,316/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,908/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,828
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,600
−HK$785/mo
Today · 4.125%
HK$26,385
baseline
▲ 0.50% · 4.625%
HK$27,990
+HK$1,605/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,770/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,621
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,362
−HK$751/mo
Today · 4.125%
HK$29,113
baseline
▲ 0.50% · 4.625%
HK$30,648
+HK$1,535/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,226/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,922
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,915
−HK$1,009/mo
Today · 4.125%
HK$33,924
baseline
▲ 0.50% · 4.625%
HK$35,988
+HK$2,064/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,848/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,513
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,465
−HK$966/mo
Today · 4.125%
HK$37,431
baseline
▲ 0.50% · 4.625%
HK$39,404
+HK$1,973/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,862/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,320 · 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).