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$16,882
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,407
−HK$534/mo
Today · 4.125%
HK$17,941
baseline
▲ 0.50% · 4.625%
HK$19,033
+HK$1,092/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,882/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,781
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,285
−HK$511/mo
Today · 4.125%
HK$19,796
baseline
▲ 0.50% · 4.625%
HK$20,840
+HK$1,044/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,592/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,259
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,889
−HK$640/mo
Today · 4.125%
HK$21,529
baseline
▲ 0.50% · 4.625%
HK$22,839
+HK$1,310/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,058/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,538
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,142
−HK$613/mo
Today · 4.125%
HK$23,755
baseline
▲ 0.50% · 4.625%
HK$25,008
+HK$1,253/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,510/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,635
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,370
−HK$747/mo
Today · 4.125%
HK$25,117
baseline
▲ 0.50% · 4.625%
HK$26,646
+HK$1,529/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,234/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,294
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$26,999
−HK$716/mo
Today · 4.125%
HK$27,715
baseline
▲ 0.50% · 4.625%
HK$29,175
+HK$1,460/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,430/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,388
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,333
−HK$961/mo
Today · 4.125%
HK$32,294
baseline
▲ 0.50% · 4.625%
HK$34,259
+HK$1,965/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,588/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,807
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,713
−HK$920/mo
Today · 4.125%
HK$35,633
baseline
▲ 0.50% · 4.625%
HK$37,511
+HK$1,878/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,266/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,111 · 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).