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$17,642
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,190
−HK$558/mo
Today · 4.125%
HK$18,748
baseline
▲ 0.50% · 4.625%
HK$19,889
+HK$1,141/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$232,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,626
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,153
−HK$533/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$232,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,170
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,828
−HK$670/mo
Today · 4.125%
HK$22,498
baseline
▲ 0.50% · 4.625%
HK$23,866
+HK$1,368/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,996/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,551
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,183
−HK$641/mo
Today · 4.125%
HK$24,824
baseline
▲ 0.50% · 4.625%
HK$26,132
+HK$1,308/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,648/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,698
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,467
−HK$780/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$232,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,477
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,214
−HK$747/mo
Today · 4.125%
HK$28,961
baseline
▲ 0.50% · 4.625%
HK$30,488
+HK$1,527/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$232,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,755
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,743
−HK$1,003/mo
Today · 4.125%
HK$33,746
baseline
▲ 0.50% · 4.625%
HK$35,800
+HK$2,054/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$232,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,327
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,275
−HK$961/mo
Today · 4.125%
HK$37,236
baseline
▲ 0.50% · 4.625%
HK$39,198
+HK$1,962/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$74,472/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,101 · 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).