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$16,886
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,412
−HK$533/mo
Today · 4.125%
HK$17,945
baseline
▲ 0.50% · 4.625%
HK$19,037
+HK$1,092/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,890/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,786
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,290
−HK$511/mo
Today · 4.125%
HK$19,801
baseline
▲ 0.50% · 4.625%
HK$20,845
+HK$1,044/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,602/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,264
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,894
−HK$640/mo
Today · 4.125%
HK$21,534
baseline
▲ 0.50% · 4.625%
HK$22,845
+HK$1,311/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,068/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,543
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,148
−HK$613/mo
Today · 4.125%
HK$23,761
baseline
▲ 0.50% · 4.625%
HK$25,014
+HK$1,253/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,522/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,641
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,376
−HK$748/mo
Today · 4.125%
HK$25,124
baseline
▲ 0.50% · 4.625%
HK$26,652
+HK$1,528/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,248/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,300
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,006
−HK$715/mo
Today · 4.125%
HK$27,721
baseline
▲ 0.50% · 4.625%
HK$29,183
+HK$1,462/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,442/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,396
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,341
−HK$961/mo
Today · 4.125%
HK$32,302
baseline
▲ 0.50% · 4.625%
HK$34,267
+HK$1,965/mo
Deposit HK$741K · loan HK$6.66M · min. income ≈ HK$64,604/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,815
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,722
−HK$920/mo
Today · 4.125%
HK$35,642
baseline
▲ 0.50% · 4.625%
HK$37,520
+HK$1,878/mo
Deposit HK$741K · loan HK$6.66M · min. income ≈ HK$71,284/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,165 · 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).