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$17,641
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,190
−HK$558/mo
Today · 4.125%
HK$18,748
baseline
▲ 0.50% · 4.625%
HK$19,888
+HK$1,140/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,496/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,626
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,152
−HK$534/mo
Today · 4.125%
HK$20,686
baseline
▲ 0.50% · 4.625%
HK$21,777
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,372/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,170
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,828
−HK$669/mo
Today · 4.125%
HK$22,497
baseline
▲ 0.50% · 4.625%
HK$23,866
+HK$1,369/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,994/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,551
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,183
−HK$640/mo
Today · 4.125%
HK$24,823
baseline
▲ 0.50% · 4.625%
HK$26,132
+HK$1,309/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,646/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,698
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,466
−HK$781/mo
Today · 4.125%
HK$26,247
baseline
▲ 0.50% · 4.625%
HK$27,844
+HK$1,597/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,494/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,476
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,213
−HK$748/mo
Today · 4.125%
HK$28,961
baseline
▲ 0.50% · 4.625%
HK$30,487
+HK$1,526/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,922/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,754
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,742
−HK$1,004/mo
Today · 4.125%
HK$33,746
baseline
▲ 0.50% · 4.625%
HK$35,799
+HK$2,053/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$67,492/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,327
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,274
−HK$961/mo
Today · 4.125%
HK$37,235
baseline
▲ 0.50% · 4.625%
HK$39,198
+HK$1,963/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$74,470/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,098 · 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).