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$16,886
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,411
−HK$534/mo
Today · 4.125%
HK$17,945
baseline
▲ 0.50% · 4.625%
HK$19,037
+HK$1,092/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,890/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,785
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,289
−HK$511/mo
Today · 4.125%
HK$19,800
baseline
▲ 0.50% · 4.625%
HK$20,844
+HK$1,044/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,600/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,263
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,893
−HK$641/mo
Today · 4.125%
HK$21,534
baseline
▲ 0.50% · 4.625%
HK$22,844
+HK$1,310/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,068/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,543
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,147
−HK$613/mo
Today · 4.125%
HK$23,760
baseline
▲ 0.50% · 4.625%
HK$25,013
+HK$1,253/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,520/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,640
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,376
−HK$747/mo
Today · 4.125%
HK$25,123
baseline
▲ 0.50% · 4.625%
HK$26,651
+HK$1,528/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,246/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,300
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,005
−HK$716/mo
Today · 4.125%
HK$27,721
baseline
▲ 0.50% · 4.625%
HK$29,182
+HK$1,461/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,442/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,395
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,340
−HK$961/mo
Today · 4.125%
HK$32,301
baseline
▲ 0.50% · 4.625%
HK$34,266
+HK$1,965/mo
Deposit HK$741K · loan HK$6.66M · min. income ≈ HK$64,602/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,814
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,721
−HK$920/mo
Today · 4.125%
HK$35,641
baseline
▲ 0.50% · 4.625%
HK$37,519
+HK$1,878/mo
Deposit HK$741K · loan HK$6.66M · min. income ≈ HK$71,282/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,159 · 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).