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$16,864
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,389
−HK$533/mo
Today · 4.125%
HK$17,922
baseline
▲ 0.50% · 4.625%
HK$19,012
+HK$1,090/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,844/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,761
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,264
−HK$511/mo
Today · 4.125%
HK$19,775
baseline
▲ 0.50% · 4.625%
HK$20,817
+HK$1,042/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,550/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,237
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,866
−HK$640/mo
Today · 4.125%
HK$21,506
baseline
▲ 0.50% · 4.625%
HK$22,814
+HK$1,308/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,012/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,513
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,117
−HK$613/mo
Today · 4.125%
HK$23,730
baseline
▲ 0.50% · 4.625%
HK$24,980
+HK$1,250/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,460/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,610
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,344
−HK$746/mo
Today · 4.125%
HK$25,090
baseline
▲ 0.50% · 4.625%
HK$26,617
+HK$1,527/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,180/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,265
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,970
−HK$715/mo
Today · 4.125%
HK$27,685
baseline
▲ 0.50% · 4.625%
HK$29,144
+HK$1,459/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,370/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,355
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,299
−HK$960/mo
Today · 4.125%
HK$32,259
baseline
▲ 0.50% · 4.625%
HK$34,222
+HK$1,963/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,518/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,770
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,676
−HK$918/mo
Today · 4.125%
HK$35,594
baseline
▲ 0.50% · 4.625%
HK$37,471
+HK$1,877/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,188/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,870 · 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).