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$16,876
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,401
−HK$533/mo
Today · 4.125%
HK$17,934
baseline
▲ 0.50% · 4.625%
HK$19,025
+HK$1,091/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,868/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,774
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,278
−HK$511/mo
Today · 4.125%
HK$19,789
baseline
▲ 0.50% · 4.625%
HK$20,832
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,578/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,251
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,881
−HK$640/mo
Today · 4.125%
HK$21,521
baseline
▲ 0.50% · 4.625%
HK$22,831
+HK$1,310/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,042/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,529
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,133
−HK$613/mo
Today · 4.125%
HK$23,746
baseline
▲ 0.50% · 4.625%
HK$24,998
+HK$1,252/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,492/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,626
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,361
−HK$747/mo
Today · 4.125%
HK$25,108
baseline
▲ 0.50% · 4.625%
HK$26,636
+HK$1,528/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,216/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,284
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,989
−HK$715/mo
Today · 4.125%
HK$27,704
baseline
▲ 0.50% · 4.625%
HK$29,164
+HK$1,460/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,408/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,377
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,322
−HK$960/mo
Today · 4.125%
HK$32,282
baseline
▲ 0.50% · 4.625%
HK$34,246
+HK$1,964/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,564/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,794
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,700
−HK$920/mo
Today · 4.125%
HK$35,620
baseline
▲ 0.50% · 4.625%
HK$37,497
+HK$1,877/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,240/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,028 · 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).