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$17,710
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,261
−HK$559/mo
Today · 4.125%
HK$18,820
baseline
▲ 0.50% · 4.625%
HK$19,966
+HK$1,146/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,640/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,702
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,231
−HK$536/mo
Today · 4.125%
HK$20,767
baseline
▲ 0.50% · 4.625%
HK$21,861
+HK$1,094/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,534/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,252
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,913
−HK$672/mo
Today · 4.125%
HK$22,585
baseline
▲ 0.50% · 4.625%
HK$23,959
+HK$1,374/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,170/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,643
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,277
−HK$643/mo
Today · 4.125%
HK$24,920
baseline
▲ 0.50% · 4.625%
HK$26,233
+HK$1,313/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,840/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,794
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,565
−HK$784/mo
Today · 4.125%
HK$26,349
baseline
▲ 0.50% · 4.625%
HK$27,952
+HK$1,603/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,698/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,583
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,323
−HK$750/mo
Today · 4.125%
HK$29,073
baseline
▲ 0.50% · 4.625%
HK$30,606
+HK$1,533/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,146/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,878
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,869
−HK$1,008/mo
Today · 4.125%
HK$33,877
baseline
▲ 0.50% · 4.625%
HK$35,938
+HK$2,061/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,754/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,464
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,415
−HK$965/mo
Today · 4.125%
HK$37,380
baseline
▲ 0.50% · 4.625%
HK$39,350
+HK$1,970/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,760/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,000 · 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).