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$16,870
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,395
−HK$533/mo
Today · 4.125%
HK$17,928
baseline
▲ 0.50% · 4.625%
HK$19,019
+HK$1,091/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,856/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,768
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,271
−HK$510/mo
Today · 4.125%
HK$19,781
baseline
▲ 0.50% · 4.625%
HK$20,824
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,562/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,244
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,873
−HK$640/mo
Today · 4.125%
HK$21,513
baseline
▲ 0.50% · 4.625%
HK$22,822
+HK$1,309/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,026/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,521
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,125
−HK$613/mo
Today · 4.125%
HK$23,738
baseline
▲ 0.50% · 4.625%
HK$24,989
+HK$1,251/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,476/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,618
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,352
−HK$747/mo
Today · 4.125%
HK$25,099
baseline
▲ 0.50% · 4.625%
HK$26,626
+HK$1,527/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,198/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,275
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,979
−HK$715/mo
Today · 4.125%
HK$27,694
baseline
▲ 0.50% · 4.625%
HK$29,154
+HK$1,460/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,388/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,366
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,310
−HK$960/mo
Today · 4.125%
HK$32,270
baseline
▲ 0.50% · 4.625%
HK$34,233
+HK$1,963/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,540/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,782
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,688
−HK$919/mo
Today · 4.125%
HK$35,607
baseline
▲ 0.50% · 4.625%
HK$37,484
+HK$1,877/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,214/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,947 · 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).