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$16,893
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,418
−HK$534/mo
Today · 4.125%
HK$17,952
baseline
▲ 0.50% · 4.625%
HK$19,045
+HK$1,093/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,904/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,793
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,297
−HK$512/mo
Today · 4.125%
HK$19,809
baseline
▲ 0.50% · 4.625%
HK$20,853
+HK$1,044/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,618/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,271
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,902
−HK$641/mo
Today · 4.125%
HK$21,543
baseline
▲ 0.50% · 4.625%
HK$22,853
+HK$1,310/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,086/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,552
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,157
−HK$613/mo
Today · 4.125%
HK$23,770
baseline
▲ 0.50% · 4.625%
HK$25,023
+HK$1,253/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,540/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,650
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,386
−HK$747/mo
Today · 4.125%
HK$25,133
baseline
▲ 0.50% · 4.625%
HK$26,662
+HK$1,529/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,266/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,310
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,016
−HK$716/mo
Today · 4.125%
HK$27,732
baseline
▲ 0.50% · 4.625%
HK$29,194
+HK$1,462/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,464/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,407
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,353
−HK$961/mo
Today · 4.125%
HK$32,314
baseline
▲ 0.50% · 4.625%
HK$34,280
+HK$1,966/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,628/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,828
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,735
−HK$920/mo
Today · 4.125%
HK$35,655
baseline
▲ 0.50% · 4.625%
HK$37,535
+HK$1,880/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,310/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,250 · 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).