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$16,865
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,390
−HK$533/mo
Today · 4.125%
HK$17,923
baseline
▲ 0.50% · 4.625%
HK$19,014
+HK$1,091/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,846/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,763
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,266
−HK$510/mo
Today · 4.125%
HK$19,776
baseline
▲ 0.50% · 4.625%
HK$20,819
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,552/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,238
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,868
−HK$640/mo
Today · 4.125%
HK$21,508
baseline
▲ 0.50% · 4.625%
HK$22,816
+HK$1,308/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,016/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,515
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,119
−HK$612/mo
Today · 4.125%
HK$23,731
baseline
▲ 0.50% · 4.625%
HK$24,982
+HK$1,251/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,462/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,611
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,346
−HK$746/mo
Today · 4.125%
HK$25,092
baseline
▲ 0.50% · 4.625%
HK$26,619
+HK$1,527/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,184/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,268
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,972
−HK$715/mo
Today · 4.125%
HK$27,687
baseline
▲ 0.50% · 4.625%
HK$29,146
+HK$1,459/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,374/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,358
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,302
−HK$959/mo
Today · 4.125%
HK$32,261
baseline
▲ 0.50% · 4.625%
HK$34,224
+HK$1,963/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,522/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,773
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,678
−HK$919/mo
Today · 4.125%
HK$35,597
baseline
▲ 0.50% · 4.625%
HK$37,474
+HK$1,877/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,194/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,888 · 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).