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$16,868
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,393
−HK$533/mo
Today · 4.125%
HK$17,926
baseline
▲ 0.50% · 4.625%
HK$19,016
+HK$1,090/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,852/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,765
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,269
−HK$510/mo
Today · 4.125%
HK$19,779
baseline
▲ 0.50% · 4.625%
HK$20,822
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,558/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,241
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,871
−HK$640/mo
Today · 4.125%
HK$21,511
baseline
▲ 0.50% · 4.625%
HK$22,820
+HK$1,309/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,022/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,518
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,122
−HK$613/mo
Today · 4.125%
HK$23,735
baseline
▲ 0.50% · 4.625%
HK$24,986
+HK$1,251/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,470/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,615
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,350
−HK$746/mo
Today · 4.125%
HK$25,096
baseline
▲ 0.50% · 4.625%
HK$26,623
+HK$1,527/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,192/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,271
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,976
−HK$715/mo
Today · 4.125%
HK$27,691
baseline
▲ 0.50% · 4.625%
HK$29,150
+HK$1,459/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,382/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,362
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,307
−HK$959/mo
Today · 4.125%
HK$32,266
baseline
▲ 0.50% · 4.625%
HK$34,229
+HK$1,963/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,532/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,778
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,683
−HK$919/mo
Today · 4.125%
HK$35,602
baseline
▲ 0.50% · 4.625%
HK$37,479
+HK$1,877/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,204/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,921 · 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).