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$16,895
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,420
−HK$534/mo
Today · 4.125%
HK$17,954
baseline
▲ 0.50% · 4.625%
HK$19,047
+HK$1,093/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,908/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,795
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,299
−HK$512/mo
Today · 4.125%
HK$19,811
baseline
▲ 0.50% · 4.625%
HK$20,855
+HK$1,044/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,622/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,274
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,904
−HK$641/mo
Today · 4.125%
HK$21,545
baseline
▲ 0.50% · 4.625%
HK$22,856
+HK$1,311/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$43,090/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,554
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,159
−HK$614/mo
Today · 4.125%
HK$23,773
baseline
▲ 0.50% · 4.625%
HK$25,026
+HK$1,253/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$47,546/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,653
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,388
−HK$748/mo
Today · 4.125%
HK$25,136
baseline
▲ 0.50% · 4.625%
HK$26,665
+HK$1,529/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,272/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,313
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,019
−HK$716/mo
Today · 4.125%
HK$27,735
baseline
▲ 0.50% · 4.625%
HK$29,197
+HK$1,462/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,470/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,411
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,357
−HK$961/mo
Today · 4.125%
HK$32,318
baseline
▲ 0.50% · 4.625%
HK$34,284
+HK$1,966/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,636/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,832
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,739
−HK$920/mo
Today · 4.125%
HK$35,659
baseline
▲ 0.50% · 4.625%
HK$37,539
+HK$1,880/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,318/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,276 · 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).