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$17,399
−HK$533/mo
Today · 4.125%
HK$17,932
baseline
▲ 0.50% · 4.625%
HK$19,024
+HK$1,092/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$222,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,772
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,276
−HK$511/mo
Today · 4.125%
HK$19,787
baseline
▲ 0.50% · 4.625%
HK$20,830
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,574/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,249
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,879
−HK$640/mo
Today · 4.125%
HK$21,519
baseline
▲ 0.50% · 4.625%
HK$22,828
+HK$1,309/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,038/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,527
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,131
−HK$613/mo
Today · 4.125%
HK$23,744
baseline
▲ 0.50% · 4.625%
HK$24,996
+HK$1,252/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,488/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,624
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,359
−HK$746/mo
Today · 4.125%
HK$25,105
baseline
▲ 0.50% · 4.625%
HK$26,633
+HK$1,528/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,210/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,281
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,986
−HK$715/mo
Today · 4.125%
HK$27,701
baseline
▲ 0.50% · 4.625%
HK$29,162
+HK$1,461/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,402/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,374
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,319
−HK$959/mo
Today · 4.125%
HK$32,278
baseline
▲ 0.50% · 4.625%
HK$34,243
+HK$1,965/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,556/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,790
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,697
−HK$919/mo
Today · 4.125%
HK$35,616
baseline
▲ 0.50% · 4.625%
HK$37,493
+HK$1,877/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,232/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,006 · 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).