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$16,894
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,419
−HK$534/mo
Today · 4.125%
HK$17,953
baseline
▲ 0.50% · 4.625%
HK$19,046
+HK$1,093/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,906/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,794
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,298
−HK$512/mo
Today · 4.125%
HK$19,810
baseline
▲ 0.50% · 4.625%
HK$20,854
+HK$1,044/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,620/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,273
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,903
−HK$641/mo
Today · 4.125%
HK$21,544
baseline
▲ 0.50% · 4.625%
HK$22,855
+HK$1,311/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$43,088/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,553
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,158
−HK$613/mo
Today · 4.125%
HK$23,771
baseline
▲ 0.50% · 4.625%
HK$25,025
+HK$1,254/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$47,542/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,651
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,387
−HK$747/mo
Today · 4.125%
HK$25,134
baseline
▲ 0.50% · 4.625%
HK$26,664
+HK$1,530/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,268/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,312
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,018
−HK$715/mo
Today · 4.125%
HK$27,733
baseline
▲ 0.50% · 4.625%
HK$29,195
+HK$1,462/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,466/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,409
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,355
−HK$961/mo
Today · 4.125%
HK$32,316
baseline
▲ 0.50% · 4.625%
HK$34,282
+HK$1,966/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,632/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,830
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,737
−HK$920/mo
Today · 4.125%
HK$35,657
baseline
▲ 0.50% · 4.625%
HK$37,537
+HK$1,880/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,314/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,262 · 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).