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$16,891
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,416
−HK$534/mo
Today · 4.125%
HK$17,950
baseline
▲ 0.50% · 4.625%
HK$19,042
+HK$1,092/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,900/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,791
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,295
−HK$511/mo
Today · 4.125%
HK$19,806
baseline
▲ 0.50% · 4.625%
HK$20,850
+HK$1,044/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,612/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,269
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,900
−HK$640/mo
Today · 4.125%
HK$21,540
baseline
▲ 0.50% · 4.625%
HK$22,851
+HK$1,311/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,080/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,549
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,154
−HK$614/mo
Today · 4.125%
HK$23,768
baseline
▲ 0.50% · 4.625%
HK$25,020
+HK$1,252/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,536/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,647
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,383
−HK$747/mo
Today · 4.125%
HK$25,130
baseline
▲ 0.50% · 4.625%
HK$26,659
+HK$1,529/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,260/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,308
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,013
−HK$716/mo
Today · 4.125%
HK$27,729
baseline
▲ 0.50% · 4.625%
HK$29,190
+HK$1,461/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,458/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,404
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,350
−HK$960/mo
Today · 4.125%
HK$32,310
baseline
▲ 0.50% · 4.625%
HK$34,276
+HK$1,966/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,620/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,824
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,731
−HK$920/mo
Today · 4.125%
HK$35,651
baseline
▲ 0.50% · 4.625%
HK$37,531
+HK$1,880/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,302/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,226 · 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).