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$16,867
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,391
−HK$533/mo
Today · 4.125%
HK$17,924
baseline
▲ 0.50% · 4.625%
HK$19,015
+HK$1,091/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,848/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,764
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,267
−HK$511/mo
Today · 4.125%
HK$19,778
baseline
▲ 0.50% · 4.625%
HK$20,820
+HK$1,042/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,556/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,240
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,870
−HK$639/mo
Today · 4.125%
HK$21,509
baseline
▲ 0.50% · 4.625%
HK$22,818
+HK$1,309/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,018/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,517
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,121
−HK$612/mo
Today · 4.125%
HK$23,733
baseline
▲ 0.50% · 4.625%
HK$24,984
+HK$1,251/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,466/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,613
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,348
−HK$746/mo
Today · 4.125%
HK$25,094
baseline
▲ 0.50% · 4.625%
HK$26,621
+HK$1,527/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,188/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,270
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,974
−HK$715/mo
Today · 4.125%
HK$27,689
baseline
▲ 0.50% · 4.625%
HK$29,148
+HK$1,459/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,378/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,360
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,304
−HK$960/mo
Today · 4.125%
HK$32,264
baseline
▲ 0.50% · 4.625%
HK$34,227
+HK$1,963/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,528/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,775
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,681
−HK$919/mo
Today · 4.125%
HK$35,600
baseline
▲ 0.50% · 4.625%
HK$37,476
+HK$1,876/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,200/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,905 · 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).