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$16,871
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,396
−HK$533/mo
Today · 4.125%
HK$17,929
baseline
▲ 0.50% · 4.625%
HK$19,020
+HK$1,091/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,858/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,769
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,272
−HK$511/mo
Today · 4.125%
HK$19,783
baseline
▲ 0.50% · 4.625%
HK$20,826
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,566/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,245
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,875
−HK$640/mo
Today · 4.125%
HK$21,515
baseline
▲ 0.50% · 4.625%
HK$22,824
+HK$1,309/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,030/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,523
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,127
−HK$613/mo
Today · 4.125%
HK$23,740
baseline
▲ 0.50% · 4.625%
HK$24,991
+HK$1,251/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,480/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,620
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,354
−HK$747/mo
Today · 4.125%
HK$25,101
baseline
▲ 0.50% · 4.625%
HK$26,628
+HK$1,527/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,202/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,277
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,981
−HK$715/mo
Today · 4.125%
HK$27,696
baseline
▲ 0.50% · 4.625%
HK$29,156
+HK$1,460/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,392/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,368
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,313
−HK$959/mo
Today · 4.125%
HK$32,272
baseline
▲ 0.50% · 4.625%
HK$34,236
+HK$1,964/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,544/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,784
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,690
−HK$919/mo
Today · 4.125%
HK$35,609
baseline
▲ 0.50% · 4.625%
HK$37,486
+HK$1,877/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,218/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,964 · 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).