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$16,888
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,413
−HK$534/mo
Today · 4.125%
HK$17,947
baseline
▲ 0.50% · 4.625%
HK$19,039
+HK$1,092/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,894/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,788
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,292
−HK$511/mo
Today · 4.125%
HK$19,803
baseline
▲ 0.50% · 4.625%
HK$20,846
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,606/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,265
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,896
−HK$640/mo
Today · 4.125%
HK$21,536
baseline
▲ 0.50% · 4.625%
HK$22,847
+HK$1,311/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,072/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,545
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,150
−HK$613/mo
Today · 4.125%
HK$23,763
baseline
▲ 0.50% · 4.625%
HK$25,016
+HK$1,253/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,526/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,643
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,379
−HK$747/mo
Today · 4.125%
HK$25,126
baseline
▲ 0.50% · 4.625%
HK$26,655
+HK$1,529/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,252/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,303
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,008
−HK$716/mo
Today · 4.125%
HK$27,724
baseline
▲ 0.50% · 4.625%
HK$29,185
+HK$1,461/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,448/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,398
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,344
−HK$960/mo
Today · 4.125%
HK$32,304
baseline
▲ 0.50% · 4.625%
HK$34,270
+HK$1,966/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,608/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,818
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,725
−HK$920/mo
Today · 4.125%
HK$35,645
baseline
▲ 0.50% · 4.625%
HK$37,524
+HK$1,879/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,290/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,185 · 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).