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$16,881
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,406
−HK$533/mo
Today · 4.125%
HK$17,939
baseline
▲ 0.50% · 4.625%
HK$19,031
+HK$1,092/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,878/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,780
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,283
−HK$511/mo
Today · 4.125%
HK$19,794
baseline
▲ 0.50% · 4.625%
HK$20,838
+HK$1,044/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,588/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,257
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,887
−HK$640/mo
Today · 4.125%
HK$21,527
baseline
▲ 0.50% · 4.625%
HK$22,837
+HK$1,310/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,054/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,536
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,140
−HK$613/mo
Today · 4.125%
HK$23,753
baseline
▲ 0.50% · 4.625%
HK$25,005
+HK$1,252/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,506/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,633
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,368
−HK$747/mo
Today · 4.125%
HK$25,115
baseline
▲ 0.50% · 4.625%
HK$26,643
+HK$1,528/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,230/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,292
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,997
−HK$715/mo
Today · 4.125%
HK$27,712
baseline
▲ 0.50% · 4.625%
HK$29,173
+HK$1,461/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,424/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,385
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,331
−HK$960/mo
Today · 4.125%
HK$32,291
baseline
▲ 0.50% · 4.625%
HK$34,256
+HK$1,965/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,582/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,803
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,710
−HK$920/mo
Today · 4.125%
HK$35,630
baseline
▲ 0.50% · 4.625%
HK$37,508
+HK$1,878/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,260/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,091 · 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).