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$16,884
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,409
−HK$533/mo
Today · 4.125%
HK$17,942
baseline
▲ 0.50% · 4.625%
HK$19,034
+HK$1,092/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,884/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,783
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,287
−HK$511/mo
Today · 4.125%
HK$19,798
baseline
▲ 0.50% · 4.625%
HK$20,841
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,596/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,260
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,891
−HK$640/mo
Today · 4.125%
HK$21,531
baseline
▲ 0.50% · 4.625%
HK$22,841
+HK$1,310/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,062/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,539
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,144
−HK$613/mo
Today · 4.125%
HK$23,757
baseline
▲ 0.50% · 4.625%
HK$25,009
+HK$1,252/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,514/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,637
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,372
−HK$747/mo
Today · 4.125%
HK$25,119
baseline
▲ 0.50% · 4.625%
HK$26,648
+HK$1,529/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,238/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,296
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,001
−HK$716/mo
Today · 4.125%
HK$27,717
baseline
▲ 0.50% · 4.625%
HK$29,178
+HK$1,461/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,434/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,390
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,336
−HK$960/mo
Today · 4.125%
HK$32,296
baseline
▲ 0.50% · 4.625%
HK$34,261
+HK$1,965/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,592/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,809
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,716
−HK$920/mo
Today · 4.125%
HK$35,636
baseline
▲ 0.50% · 4.625%
HK$37,514
+HK$1,878/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,272/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,128 · 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).