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$16,866
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,391
−HK$533/mo
Today · 4.125%
HK$17,924
baseline
▲ 0.50% · 4.625%
HK$19,014
+HK$1,090/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,848/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,763
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,267
−HK$510/mo
Today · 4.125%
HK$19,777
baseline
▲ 0.50% · 4.625%
HK$20,820
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,554/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,239
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,869
−HK$640/mo
Today · 4.125%
HK$21,509
baseline
▲ 0.50% · 4.625%
HK$22,817
+HK$1,308/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,018/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,516
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,120
−HK$613/mo
Today · 4.125%
HK$23,733
baseline
▲ 0.50% · 4.625%
HK$24,984
+HK$1,251/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,466/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,613
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,347
−HK$746/mo
Today · 4.125%
HK$25,093
baseline
▲ 0.50% · 4.625%
HK$26,620
+HK$1,527/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,186/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,269
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,973
−HK$715/mo
Today · 4.125%
HK$27,688
baseline
▲ 0.50% · 4.625%
HK$29,148
+HK$1,460/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,376/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,359
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,303
−HK$960/mo
Today · 4.125%
HK$32,263
baseline
▲ 0.50% · 4.625%
HK$34,226
+HK$1,963/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,526/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,774
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,680
−HK$919/mo
Today · 4.125%
HK$35,599
baseline
▲ 0.50% · 4.625%
HK$37,475
+HK$1,876/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,198/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,899 · 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).