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$16,880
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,405
−HK$534/mo
Today · 4.125%
HK$17,939
baseline
▲ 0.50% · 4.625%
HK$19,030
+HK$1,091/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$222,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,779
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,283
−HK$511/mo
Today · 4.125%
HK$19,794
baseline
▲ 0.50% · 4.625%
HK$20,837
+HK$1,043/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$222,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,256
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,886
−HK$641/mo
Today · 4.125%
HK$21,527
baseline
▲ 0.50% · 4.625%
HK$22,836
+HK$1,309/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$222,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,535
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,139
−HK$613/mo
Today · 4.125%
HK$23,752
baseline
▲ 0.50% · 4.625%
HK$25,004
+HK$1,252/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,504/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,632
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,367
−HK$747/mo
Today · 4.125%
HK$25,114
baseline
▲ 0.50% · 4.625%
HK$26,642
+HK$1,528/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,228/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,291
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,996
−HK$715/mo
Today · 4.125%
HK$27,711
baseline
▲ 0.50% · 4.625%
HK$29,172
+HK$1,461/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,422/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,384
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,330
−HK$960/mo
Today · 4.125%
HK$32,290
baseline
▲ 0.50% · 4.625%
HK$34,255
+HK$1,965/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,580/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,802
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,709
−HK$920/mo
Today · 4.125%
HK$35,629
baseline
▲ 0.50% · 4.625%
HK$37,507
+HK$1,878/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,258/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,084 · 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).