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$16,892
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,418
−HK$534/mo
Today · 4.125%
HK$17,952
baseline
▲ 0.50% · 4.625%
HK$19,044
+HK$1,092/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,904/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,793
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,297
−HK$511/mo
Today · 4.125%
HK$19,808
baseline
▲ 0.50% · 4.625%
HK$20,852
+HK$1,044/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,616/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,271
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,901
−HK$641/mo
Today · 4.125%
HK$21,542
baseline
▲ 0.50% · 4.625%
HK$22,853
+HK$1,311/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,084/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,551
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,156
−HK$614/mo
Today · 4.125%
HK$23,770
baseline
▲ 0.50% · 4.625%
HK$25,022
+HK$1,252/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,540/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,649
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,385
−HK$747/mo
Today · 4.125%
HK$25,132
baseline
▲ 0.50% · 4.625%
HK$26,662
+HK$1,530/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,264/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,310
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,015
−HK$716/mo
Today · 4.125%
HK$27,731
baseline
▲ 0.50% · 4.625%
HK$29,193
+HK$1,462/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,462/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,406
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,352
−HK$961/mo
Today · 4.125%
HK$32,313
baseline
▲ 0.50% · 4.625%
HK$34,279
+HK$1,966/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,626/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,827
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,734
−HK$920/mo
Today · 4.125%
HK$35,654
baseline
▲ 0.50% · 4.625%
HK$37,534
+HK$1,880/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,308/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,244 · 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).