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$16,890
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,415
−HK$534/mo
Today · 4.125%
HK$17,949
baseline
▲ 0.50% · 4.625%
HK$19,041
+HK$1,092/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,898/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,790
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,293
−HK$512/mo
Today · 4.125%
HK$19,805
baseline
▲ 0.50% · 4.625%
HK$20,849
+HK$1,044/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,610/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,268
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,898
−HK$640/mo
Today · 4.125%
HK$21,538
baseline
▲ 0.50% · 4.625%
HK$22,849
+HK$1,311/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,076/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,547
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,152
−HK$614/mo
Today · 4.125%
HK$23,766
baseline
▲ 0.50% · 4.625%
HK$25,018
+HK$1,252/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,532/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,645
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,381
−HK$747/mo
Today · 4.125%
HK$25,128
baseline
▲ 0.50% · 4.625%
HK$26,657
+HK$1,529/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,256/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,305
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,011
−HK$716/mo
Today · 4.125%
HK$27,727
baseline
▲ 0.50% · 4.625%
HK$29,188
+HK$1,461/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,454/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,401
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,347
−HK$961/mo
Today · 4.125%
HK$32,308
baseline
▲ 0.50% · 4.625%
HK$34,274
+HK$1,966/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,616/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,821
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,728
−HK$920/mo
Today · 4.125%
HK$35,648
baseline
▲ 0.50% · 4.625%
HK$37,527
+HK$1,879/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,296/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,207 · 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).