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$16,861
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,386
−HK$533/mo
Today · 4.125%
HK$17,919
baseline
▲ 0.50% · 4.625%
HK$19,009
+HK$1,090/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,838/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,758
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,261
−HK$511/mo
Today · 4.125%
HK$19,772
baseline
▲ 0.50% · 4.625%
HK$20,814
+HK$1,042/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,544/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,234
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,863
−HK$640/mo
Today · 4.125%
HK$21,503
baseline
▲ 0.50% · 4.625%
HK$22,811
+HK$1,308/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,006/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,510
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,114
−HK$612/mo
Today · 4.125%
HK$23,726
baseline
▲ 0.50% · 4.625%
HK$24,977
+HK$1,251/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,452/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,606
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,340
−HK$746/mo
Today · 4.125%
HK$25,086
baseline
▲ 0.50% · 4.625%
HK$26,613
+HK$1,527/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,172/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,261
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,966
−HK$714/mo
Today · 4.125%
HK$27,680
baseline
▲ 0.50% · 4.625%
HK$29,139
+HK$1,459/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,360/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,351
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,295
−HK$959/mo
Today · 4.125%
HK$32,254
baseline
▲ 0.50% · 4.625%
HK$34,216
+HK$1,962/mo
Deposit HK$739K · loan HK$6.66M · min. income ≈ HK$64,508/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,765
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,670
−HK$919/mo
Today · 4.125%
HK$35,589
baseline
▲ 0.50% · 4.625%
HK$37,465
+HK$1,876/mo
Deposit HK$739K · loan HK$6.66M · min. income ≈ HK$71,178/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,837 · 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).