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$16,880
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,405
−HK$533/mo
Today · 4.125%
HK$17,938
baseline
▲ 0.50% · 4.625%
HK$19,030
+HK$1,092/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,876/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,778
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,282
−HK$511/mo
Today · 4.125%
HK$19,793
baseline
▲ 0.50% · 4.625%
HK$20,836
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,586/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,256
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,886
−HK$640/mo
Today · 4.125%
HK$21,526
baseline
▲ 0.50% · 4.625%
HK$22,836
+HK$1,310/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,052/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,534
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,139
−HK$613/mo
Today · 4.125%
HK$23,752
baseline
▲ 0.50% · 4.625%
HK$25,004
+HK$1,252/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,504/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,632
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,367
−HK$746/mo
Today · 4.125%
HK$25,113
baseline
▲ 0.50% · 4.625%
HK$26,642
+HK$1,529/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,226/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,290
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,995
−HK$715/mo
Today · 4.125%
HK$27,710
baseline
▲ 0.50% · 4.625%
HK$29,171
+HK$1,461/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,420/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,383
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,329
−HK$960/mo
Today · 4.125%
HK$32,289
baseline
▲ 0.50% · 4.625%
HK$34,253
+HK$1,964/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,578/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,801
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,708
−HK$919/mo
Today · 4.125%
HK$35,627
baseline
▲ 0.50% · 4.625%
HK$37,505
+HK$1,878/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,254/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,077 · 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).