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$17,723
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,274
−HK$560/mo
Today · 4.125%
HK$18,834
baseline
▲ 0.50% · 4.625%
HK$19,980
+HK$1,146/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,668/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,717
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,245
−HK$537/mo
Today · 4.125%
HK$20,782
baseline
▲ 0.50% · 4.625%
HK$21,877
+HK$1,095/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,564/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,268
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,929
−HK$672/mo
Today · 4.125%
HK$22,601
baseline
▲ 0.50% · 4.625%
HK$23,976
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,202/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,660
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,294
−HK$644/mo
Today · 4.125%
HK$24,938
baseline
▲ 0.50% · 4.625%
HK$26,253
+HK$1,315/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,876/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,812
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,584
−HK$784/mo
Today · 4.125%
HK$26,368
baseline
▲ 0.50% · 4.625%
HK$27,973
+HK$1,605/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,736/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,603
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,344
−HK$751/mo
Today · 4.125%
HK$29,095
baseline
▲ 0.50% · 4.625%
HK$30,628
+HK$1,533/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,190/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,901
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,894
−HK$1,008/mo
Today · 4.125%
HK$33,902
baseline
▲ 0.50% · 4.625%
HK$35,965
+HK$2,063/mo
Deposit HK$777K · loan HK$7.00M · min. income ≈ HK$67,804/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,490
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,442
−HK$965/mo
Today · 4.125%
HK$37,407
baseline
▲ 0.50% · 4.625%
HK$39,379
+HK$1,972/mo
Deposit HK$777K · loan HK$7.00M · min. income ≈ HK$74,814/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,171 · 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).