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$1,060/mo
▼ 0.25% · 3.875%
HK$17,416
−HK$534/mo
Today · 4.125%
HK$17,950
baseline
▲ 0.50% · 4.625%
HK$19,042
+HK$1,092/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,900/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,790
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,294
−HK$512/mo
Today · 4.125%
HK$19,806
baseline
▲ 0.50% · 4.625%
HK$20,850
+HK$1,044/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,612/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,269
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,899
−HK$641/mo
Today · 4.125%
HK$21,540
baseline
▲ 0.50% · 4.625%
HK$22,850
+HK$1,310/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,080/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,549
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,153
−HK$614/mo
Today · 4.125%
HK$23,767
baseline
▲ 0.50% · 4.625%
HK$25,020
+HK$1,253/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,534/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,647
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,382
−HK$747/mo
Today · 4.125%
HK$25,129
baseline
▲ 0.50% · 4.625%
HK$26,659
+HK$1,530/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,258/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,307
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,012
−HK$716/mo
Today · 4.125%
HK$27,728
baseline
▲ 0.50% · 4.625%
HK$29,189
+HK$1,461/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,456/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,403
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,348
−HK$961/mo
Today · 4.125%
HK$32,309
baseline
▲ 0.50% · 4.625%
HK$34,275
+HK$1,966/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,618/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,823
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,730
−HK$920/mo
Today · 4.125%
HK$35,650
baseline
▲ 0.50% · 4.625%
HK$37,529
+HK$1,879/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,300/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,218 · 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).