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$17,741
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,293
−HK$561/mo
Today · 4.125%
HK$18,854
baseline
▲ 0.50% · 4.625%
HK$20,001
+HK$1,147/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,708/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,737
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,266
−HK$537/mo
Today · 4.125%
HK$20,803
baseline
▲ 0.50% · 4.625%
HK$21,900
+HK$1,097/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,606/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,290
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,952
−HK$673/mo
Today · 4.125%
HK$22,625
baseline
▲ 0.50% · 4.625%
HK$24,001
+HK$1,376/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,250/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,685
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,320
−HK$644/mo
Today · 4.125%
HK$24,964
baseline
▲ 0.50% · 4.625%
HK$26,280
+HK$1,316/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,928/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,838
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,611
−HK$784/mo
Today · 4.125%
HK$26,395
baseline
▲ 0.50% · 4.625%
HK$28,002
+HK$1,607/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$52,790/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,632
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,373
−HK$752/mo
Today · 4.125%
HK$29,125
baseline
▲ 0.50% · 4.625%
HK$30,660
+HK$1,535/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$58,250/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,934
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,928
−HK$1,009/mo
Today · 4.125%
HK$33,937
baseline
▲ 0.50% · 4.625%
HK$36,002
+HK$2,065/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,874/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,527
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,480
−HK$966/mo
Today · 4.125%
HK$37,446
baseline
▲ 0.50% · 4.625%
HK$39,420
+HK$1,974/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,892/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,414 · 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).