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$17,730
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,281
−HK$561/mo
Today · 4.125%
HK$18,842
baseline
▲ 0.50% · 4.625%
HK$19,988
+HK$1,146/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,684/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,724
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,253
−HK$537/mo
Today · 4.125%
HK$20,790
baseline
▲ 0.50% · 4.625%
HK$21,886
+HK$1,096/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,580/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,276
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,938
−HK$672/mo
Today · 4.125%
HK$22,610
baseline
▲ 0.50% · 4.625%
HK$23,986
+HK$1,376/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,220/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,669
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,304
−HK$644/mo
Today · 4.125%
HK$24,948
baseline
▲ 0.50% · 4.625%
HK$26,263
+HK$1,315/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,896/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,822
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,594
−HK$784/mo
Today · 4.125%
HK$26,378
baseline
▲ 0.50% · 4.625%
HK$27,983
+HK$1,605/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,756/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,614
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,355
−HK$751/mo
Today · 4.125%
HK$29,106
baseline
▲ 0.50% · 4.625%
HK$30,640
+HK$1,534/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,212/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,914
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,906
−HK$1,009/mo
Today · 4.125%
HK$33,915
baseline
▲ 0.50% · 4.625%
HK$35,979
+HK$2,064/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,830/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,504
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,456
−HK$966/mo
Today · 4.125%
HK$37,422
baseline
▲ 0.50% · 4.625%
HK$39,394
+HK$1,972/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,844/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,262 · 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).