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$16,889
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,414
−HK$534/mo
Today · 4.125%
HK$17,948
baseline
▲ 0.50% · 4.625%
HK$19,040
+HK$1,092/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,896/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,788
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,292
−HK$512/mo
Today · 4.125%
HK$19,804
baseline
▲ 0.50% · 4.625%
HK$20,847
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,608/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,266
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,897
−HK$640/mo
Today · 4.125%
HK$21,537
baseline
▲ 0.50% · 4.625%
HK$22,848
+HK$1,311/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,074/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,546
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,151
−HK$613/mo
Today · 4.125%
HK$23,764
baseline
▲ 0.50% · 4.625%
HK$25,017
+HK$1,253/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,528/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,644
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,380
−HK$747/mo
Today · 4.125%
HK$25,127
baseline
▲ 0.50% · 4.625%
HK$26,656
+HK$1,529/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,254/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,304
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,009
−HK$716/mo
Today · 4.125%
HK$27,725
baseline
▲ 0.50% · 4.625%
HK$29,186
+HK$1,461/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,450/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,400
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,345
−HK$961/mo
Today · 4.125%
HK$32,306
baseline
▲ 0.50% · 4.625%
HK$34,272
+HK$1,966/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,612/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,819
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,726
−HK$920/mo
Today · 4.125%
HK$35,646
baseline
▲ 0.50% · 4.625%
HK$37,525
+HK$1,879/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,292/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,195 · 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).