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$17,634
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,183
−HK$557/mo
Today · 4.125%
HK$18,740
baseline
▲ 0.50% · 4.625%
HK$19,880
+HK$1,140/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,480/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,618
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,144
−HK$534/mo
Today · 4.125%
HK$20,678
baseline
▲ 0.50% · 4.625%
HK$21,767
+HK$1,089/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,356/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,161
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,819
−HK$669/mo
Today · 4.125%
HK$22,488
baseline
▲ 0.50% · 4.625%
HK$23,856
+HK$1,368/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,976/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,541
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,173
−HK$640/mo
Today · 4.125%
HK$24,813
baseline
▲ 0.50% · 4.625%
HK$26,121
+HK$1,308/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,626/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,688
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,456
−HK$780/mo
Today · 4.125%
HK$26,236
baseline
▲ 0.50% · 4.625%
HK$27,832
+HK$1,596/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,472/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,465
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,201
−HK$748/mo
Today · 4.125%
HK$28,949
baseline
▲ 0.50% · 4.625%
HK$30,474
+HK$1,525/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,898/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,741
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,729
−HK$1,003/mo
Today · 4.125%
HK$33,732
baseline
▲ 0.50% · 4.625%
HK$35,784
+HK$2,052/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$67,464/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,312
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,259
−HK$961/mo
Today · 4.125%
HK$37,220
baseline
▲ 0.50% · 4.625%
HK$39,181
+HK$1,961/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$74,440/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,001 · 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).