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$16,885
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,410
−HK$533/mo
Today · 4.125%
HK$17,943
baseline
▲ 0.50% · 4.625%
HK$19,035
+HK$1,092/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,886/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,784
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,288
−HK$511/mo
Today · 4.125%
HK$19,799
baseline
▲ 0.50% · 4.625%
HK$20,842
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,598/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,262
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,892
−HK$640/mo
Today · 4.125%
HK$21,532
baseline
▲ 0.50% · 4.625%
HK$22,842
+HK$1,310/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,064/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,541
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,145
−HK$614/mo
Today · 4.125%
HK$23,759
baseline
▲ 0.50% · 4.625%
HK$25,011
+HK$1,252/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,518/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,638
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,374
−HK$747/mo
Today · 4.125%
HK$25,121
baseline
▲ 0.50% · 4.625%
HK$26,649
+HK$1,528/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,242/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,298
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$27,003
−HK$715/mo
Today · 4.125%
HK$27,718
baseline
▲ 0.50% · 4.625%
HK$29,179
+HK$1,461/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,436/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,392
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,338
−HK$960/mo
Today · 4.125%
HK$32,298
baseline
▲ 0.50% · 4.625%
HK$34,263
+HK$1,965/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,596/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,811
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,718
−HK$920/mo
Today · 4.125%
HK$35,638
baseline
▲ 0.50% · 4.625%
HK$37,516
+HK$1,878/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,276/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,141 · 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).