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$16,894
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,420
−HK$534/mo
Today · 4.125%
HK$17,954
baseline
▲ 0.50% · 4.625%
HK$19,046
+HK$1,092/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,908/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,795
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,299
−HK$511/mo
Today · 4.125%
HK$19,810
baseline
▲ 0.50% · 4.625%
HK$20,854
+HK$1,044/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,620/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,273
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,904
−HK$640/mo
Today · 4.125%
HK$21,544
baseline
▲ 0.50% · 4.625%
HK$22,855
+HK$1,311/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$43,088/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,554
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,159
−HK$613/mo
Today · 4.125%
HK$23,772
baseline
▲ 0.50% · 4.625%
HK$25,025
+HK$1,253/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$47,544/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,652
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,388
−HK$747/mo
Today · 4.125%
HK$25,135
baseline
▲ 0.50% · 4.625%
HK$26,665
+HK$1,530/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,270/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,313
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,018
−HK$716/mo
Today · 4.125%
HK$27,734
baseline
▲ 0.50% · 4.625%
HK$29,196
+HK$1,462/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,468/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,410
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,356
−HK$961/mo
Today · 4.125%
HK$32,317
baseline
▲ 0.50% · 4.625%
HK$34,283
+HK$1,966/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,634/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,831
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,738
−HK$920/mo
Today · 4.125%
HK$35,658
baseline
▲ 0.50% · 4.625%
HK$37,538
+HK$1,880/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,316/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,269 · 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).