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$16,869
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,393
−HK$534/mo
Today · 4.125%
HK$17,927
baseline
▲ 0.50% · 4.625%
HK$19,017
+HK$1,090/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,854/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,766
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,270
−HK$510/mo
Today · 4.125%
HK$19,780
baseline
▲ 0.50% · 4.625%
HK$20,823
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,560/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,242
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,872
−HK$640/mo
Today · 4.125%
HK$21,512
baseline
▲ 0.50% · 4.625%
HK$22,821
+HK$1,309/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,024/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,520
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,124
−HK$612/mo
Today · 4.125%
HK$23,736
baseline
▲ 0.50% · 4.625%
HK$24,987
+HK$1,251/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,472/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,616
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,351
−HK$746/mo
Today · 4.125%
HK$25,097
baseline
▲ 0.50% · 4.625%
HK$26,624
+HK$1,527/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,194/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,273
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,977
−HK$715/mo
Today · 4.125%
HK$27,692
baseline
▲ 0.50% · 4.625%
HK$29,152
+HK$1,460/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,384/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,364
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,308
−HK$960/mo
Today · 4.125%
HK$32,268
baseline
▲ 0.50% · 4.625%
HK$34,231
+HK$1,963/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,536/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,779
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,685
−HK$919/mo
Today · 4.125%
HK$35,604
baseline
▲ 0.50% · 4.625%
HK$37,481
+HK$1,877/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,208/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,933 · 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).