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$17,745
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,297
−HK$561/mo
Today · 4.125%
HK$18,858
baseline
▲ 0.50% · 4.625%
HK$20,006
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,716/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,742
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,271
−HK$537/mo
Today · 4.125%
HK$20,808
baseline
▲ 0.50% · 4.625%
HK$21,905
+HK$1,097/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,616/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,295
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,957
−HK$673/mo
Today · 4.125%
HK$22,630
baseline
▲ 0.50% · 4.625%
HK$24,007
+HK$1,377/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,260/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,690
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,325
−HK$645/mo
Today · 4.125%
HK$24,970
baseline
▲ 0.50% · 4.625%
HK$26,286
+HK$1,316/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,940/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,844
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,616
−HK$786/mo
Today · 4.125%
HK$26,402
baseline
▲ 0.50% · 4.625%
HK$28,008
+HK$1,606/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$52,804/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,638
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,380
−HK$751/mo
Today · 4.125%
HK$29,131
baseline
▲ 0.50% · 4.625%
HK$30,667
+HK$1,536/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$58,262/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,942
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,935
−HK$1,010/mo
Today · 4.125%
HK$33,945
baseline
▲ 0.50% · 4.625%
HK$36,010
+HK$2,065/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,890/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,535
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,488
−HK$967/mo
Today · 4.125%
HK$37,455
baseline
▲ 0.50% · 4.625%
HK$39,429
+HK$1,974/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,910/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,467 · 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).