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$1,057/mo
▼ 0.25% · 3.875%
HK$17,389
−HK$533/mo
Today · 4.125%
HK$17,922
baseline
▲ 0.50% · 4.625%
HK$19,013
+HK$1,091/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,844/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,762
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,265
−HK$510/mo
Today · 4.125%
HK$19,775
baseline
▲ 0.50% · 4.625%
HK$20,818
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,550/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,238
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,867
−HK$640/mo
Today · 4.125%
HK$21,507
baseline
▲ 0.50% · 4.625%
HK$22,815
+HK$1,308/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,014/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,514
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,118
−HK$613/mo
Today · 4.125%
HK$23,731
baseline
▲ 0.50% · 4.625%
HK$24,981
+HK$1,250/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$221,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,611
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,345
−HK$746/mo
Today · 4.125%
HK$25,091
baseline
▲ 0.50% · 4.625%
HK$26,618
+HK$1,527/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,182/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,267
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,971
−HK$715/mo
Today · 4.125%
HK$27,686
baseline
▲ 0.50% · 4.625%
HK$29,145
+HK$1,459/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,372/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,356
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,301
−HK$959/mo
Today · 4.125%
HK$32,260
baseline
▲ 0.50% · 4.625%
HK$34,223
+HK$1,963/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,520/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,771
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,677
−HK$919/mo
Today · 4.125%
HK$35,596
baseline
▲ 0.50% · 4.625%
HK$37,472
+HK$1,876/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,192/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,880 · 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).