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$16,874
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,398
−HK$534/mo
Today · 4.125%
HK$17,932
baseline
▲ 0.50% · 4.625%
HK$19,023
+HK$1,091/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,864/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,772
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,275
−HK$511/mo
Today · 4.125%
HK$19,786
baseline
▲ 0.50% · 4.625%
HK$20,829
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,572/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,248
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,878
−HK$640/mo
Today · 4.125%
HK$21,518
baseline
▲ 0.50% · 4.625%
HK$22,827
+HK$1,309/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,036/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,526
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,130
−HK$613/mo
Today · 4.125%
HK$23,743
baseline
▲ 0.50% · 4.625%
HK$24,995
+HK$1,252/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,486/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,623
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,358
−HK$746/mo
Today · 4.125%
HK$25,104
baseline
▲ 0.50% · 4.625%
HK$26,632
+HK$1,528/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,208/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,280
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,985
−HK$715/mo
Today · 4.125%
HK$27,700
baseline
▲ 0.50% · 4.625%
HK$29,160
+HK$1,460/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,400/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,372
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,317
−HK$960/mo
Today · 4.125%
HK$32,277
baseline
▲ 0.50% · 4.625%
HK$34,241
+HK$1,964/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,554/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,789
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,695
−HK$920/mo
Today · 4.125%
HK$35,615
baseline
▲ 0.50% · 4.625%
HK$37,492
+HK$1,877/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,230/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,997 · 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).