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$16,875
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,400
−HK$533/mo
Today · 4.125%
HK$17,933
baseline
▲ 0.50% · 4.625%
HK$19,024
+HK$1,091/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,866/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,773
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,277
−HK$511/mo
Today · 4.125%
HK$19,788
baseline
▲ 0.50% · 4.625%
HK$20,831
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,576/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,250
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,880
−HK$640/mo
Today · 4.125%
HK$21,520
baseline
▲ 0.50% · 4.625%
HK$22,829
+HK$1,309/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,040/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,528
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,132
−HK$613/mo
Today · 4.125%
HK$23,745
baseline
▲ 0.50% · 4.625%
HK$24,997
+HK$1,252/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,490/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,625
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,360
−HK$747/mo
Today · 4.125%
HK$25,107
baseline
▲ 0.50% · 4.625%
HK$26,634
+HK$1,527/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,214/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,283
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,987
−HK$716/mo
Today · 4.125%
HK$27,703
baseline
▲ 0.50% · 4.625%
HK$29,163
+HK$1,460/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,406/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,375
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,320
−HK$960/mo
Today · 4.125%
HK$32,280
baseline
▲ 0.50% · 4.625%
HK$34,244
+HK$1,964/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,560/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,792
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,698
−HK$920/mo
Today · 4.125%
HK$35,618
baseline
▲ 0.50% · 4.625%
HK$37,495
+HK$1,877/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,236/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,015 · 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).