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$16,878
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,403
−HK$533/mo
Today · 4.125%
HK$17,936
baseline
▲ 0.50% · 4.625%
HK$19,027
+HK$1,091/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,872/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,776
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,280
−HK$511/mo
Today · 4.125%
HK$19,791
baseline
▲ 0.50% · 4.625%
HK$20,834
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,582/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,253
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,883
−HK$640/mo
Today · 4.125%
HK$21,523
baseline
▲ 0.50% · 4.625%
HK$22,833
+HK$1,310/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,046/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,531
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,136
−HK$613/mo
Today · 4.125%
HK$23,749
baseline
▲ 0.50% · 4.625%
HK$25,001
+HK$1,252/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,498/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,629
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,364
−HK$746/mo
Today · 4.125%
HK$25,110
baseline
▲ 0.50% · 4.625%
HK$26,638
+HK$1,528/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,220/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,287
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,992
−HK$715/mo
Today · 4.125%
HK$27,707
baseline
▲ 0.50% · 4.625%
HK$29,167
+HK$1,460/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,414/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,380
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,325
−HK$960/mo
Today · 4.125%
HK$32,285
baseline
▲ 0.50% · 4.625%
HK$34,249
+HK$1,964/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,570/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,797
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,704
−HK$919/mo
Today · 4.125%
HK$35,623
baseline
▲ 0.50% · 4.625%
HK$37,501
+HK$1,878/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,246/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,049 · 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).