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$16,896
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,421
−HK$534/mo
Today · 4.125%
HK$17,955
baseline
▲ 0.50% · 4.625%
HK$19,048
+HK$1,093/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,910/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,796
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,300
−HK$512/mo
Today · 4.125%
HK$19,812
baseline
▲ 0.50% · 4.625%
HK$20,856
+HK$1,044/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,624/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,275
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,905
−HK$641/mo
Today · 4.125%
HK$21,546
baseline
▲ 0.50% · 4.625%
HK$22,857
+HK$1,311/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$43,092/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,555
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,160
−HK$614/mo
Today · 4.125%
HK$23,774
baseline
▲ 0.50% · 4.625%
HK$25,027
+HK$1,253/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$47,548/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,654
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,389
−HK$748/mo
Today · 4.125%
HK$25,137
baseline
▲ 0.50% · 4.625%
HK$26,667
+HK$1,530/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,274/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,315
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,020
−HK$716/mo
Today · 4.125%
HK$27,736
baseline
▲ 0.50% · 4.625%
HK$29,198
+HK$1,462/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,472/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,412
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,358
−HK$961/mo
Today · 4.125%
HK$32,319
baseline
▲ 0.50% · 4.625%
HK$34,286
+HK$1,967/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,638/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,833
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,740
−HK$921/mo
Today · 4.125%
HK$35,661
baseline
▲ 0.50% · 4.625%
HK$37,541
+HK$1,880/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,322/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,285 · 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).