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$17,740
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,292
−HK$560/mo
Today · 4.125%
HK$18,852
baseline
▲ 0.50% · 4.625%
HK$20,000
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,704/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,736
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,265
−HK$537/mo
Today · 4.125%
HK$20,802
baseline
▲ 0.50% · 4.625%
HK$21,898
+HK$1,096/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,604/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,288
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,950
−HK$673/mo
Today · 4.125%
HK$22,623
baseline
▲ 0.50% · 4.625%
HK$23,999
+HK$1,376/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,246/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,683
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,318
−HK$644/mo
Today · 4.125%
HK$24,962
baseline
▲ 0.50% · 4.625%
HK$26,278
+HK$1,316/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,924/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,836
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,608
−HK$785/mo
Today · 4.125%
HK$26,393
baseline
▲ 0.50% · 4.625%
HK$27,999
+HK$1,606/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$52,786/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,630
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,371
−HK$751/mo
Today · 4.125%
HK$29,122
baseline
▲ 0.50% · 4.625%
HK$30,658
+HK$1,536/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$58,244/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,932
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,925
−HK$1,009/mo
Today · 4.125%
HK$33,934
baseline
▲ 0.50% · 4.625%
HK$35,999
+HK$2,065/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,868/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,524
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,477
−HK$966/mo
Today · 4.125%
HK$37,443
baseline
▲ 0.50% · 4.625%
HK$39,417
+HK$1,974/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,886/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,395 · 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).