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$16,863
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,387
−HK$533/mo
Today · 4.125%
HK$17,920
baseline
▲ 0.50% · 4.625%
HK$19,011
+HK$1,091/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,840/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,760
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,263
−HK$510/mo
Today · 4.125%
HK$19,773
baseline
▲ 0.50% · 4.625%
HK$20,816
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,546/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,236
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,865
−HK$639/mo
Today · 4.125%
HK$21,504
baseline
▲ 0.50% · 4.625%
HK$22,813
+HK$1,309/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,008/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,512
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,116
−HK$612/mo
Today · 4.125%
HK$23,728
baseline
▲ 0.50% · 4.625%
HK$24,979
+HK$1,251/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,456/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,608
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,342
−HK$747/mo
Today · 4.125%
HK$25,089
baseline
▲ 0.50% · 4.625%
HK$26,615
+HK$1,526/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,178/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,264
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,968
−HK$715/mo
Today · 4.125%
HK$27,683
baseline
▲ 0.50% · 4.625%
HK$29,142
+HK$1,459/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,366/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,353
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,297
−HK$960/mo
Today · 4.125%
HK$32,257
baseline
▲ 0.50% · 4.625%
HK$34,219
+HK$1,962/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,514/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,768
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,673
−HK$919/mo
Today · 4.125%
HK$35,592
baseline
▲ 0.50% · 4.625%
HK$37,468
+HK$1,876/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,184/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,856 · 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).