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$16,887
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,413
−HK$533/mo
Today · 4.125%
HK$17,946
baseline
▲ 0.50% · 4.625%
HK$19,038
+HK$1,092/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,892/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,787
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,291
−HK$511/mo
Today · 4.125%
HK$19,802
baseline
▲ 0.50% · 4.625%
HK$20,846
+HK$1,044/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,604/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,265
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,895
−HK$641/mo
Today · 4.125%
HK$21,536
baseline
▲ 0.50% · 4.625%
HK$22,846
+HK$1,310/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,072/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,544
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,149
−HK$613/mo
Today · 4.125%
HK$23,762
baseline
▲ 0.50% · 4.625%
HK$25,015
+HK$1,253/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,524/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,642
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,378
−HK$747/mo
Today · 4.125%
HK$25,125
baseline
▲ 0.50% · 4.625%
HK$26,654
+HK$1,529/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,250/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,302
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,007
−HK$716/mo
Today · 4.125%
HK$27,723
baseline
▲ 0.50% · 4.625%
HK$29,184
+HK$1,461/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,446/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,397
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,343
−HK$960/mo
Today · 4.125%
HK$32,303
baseline
▲ 0.50% · 4.625%
HK$34,269
+HK$1,966/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,606/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,816
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,723
−HK$920/mo
Today · 4.125%
HK$35,643
baseline
▲ 0.50% · 4.625%
HK$37,522
+HK$1,879/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,286/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,177 · 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).