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$17,719
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,270
−HK$560/mo
Today · 4.125%
HK$18,830
baseline
▲ 0.50% · 4.625%
HK$19,976
+HK$1,146/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,660/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,712
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,241
−HK$536/mo
Today · 4.125%
HK$20,777
baseline
▲ 0.50% · 4.625%
HK$21,872
+HK$1,095/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,554/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,263
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,924
−HK$672/mo
Today · 4.125%
HK$22,596
baseline
▲ 0.50% · 4.625%
HK$23,971
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,192/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,655
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,289
−HK$644/mo
Today · 4.125%
HK$24,933
baseline
▲ 0.50% · 4.625%
HK$26,247
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,866/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,807
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,578
−HK$784/mo
Today · 4.125%
HK$26,362
baseline
▲ 0.50% · 4.625%
HK$27,966
+HK$1,604/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,724/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,597
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,337
−HK$751/mo
Today · 4.125%
HK$29,088
baseline
▲ 0.50% · 4.625%
HK$30,621
+HK$1,533/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,176/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,894
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,886
−HK$1,008/mo
Today · 4.125%
HK$33,894
baseline
▲ 0.50% · 4.625%
HK$35,957
+HK$2,063/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,788/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,482
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,434
−HK$965/mo
Today · 4.125%
HK$37,399
baseline
▲ 0.50% · 4.625%
HK$39,370
+HK$1,971/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,798/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,120 · 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).