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$1,060/mo
▼ 0.25% · 3.875%
HK$17,417
−HK$534/mo
Today · 4.125%
HK$17,951
baseline
▲ 0.50% · 4.625%
HK$19,043
+HK$1,092/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,902/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,791
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,295
−HK$512/mo
Today · 4.125%
HK$19,807
baseline
▲ 0.50% · 4.625%
HK$20,851
+HK$1,044/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,614/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,270
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,900
−HK$641/mo
Today · 4.125%
HK$21,541
baseline
▲ 0.50% · 4.625%
HK$22,851
+HK$1,310/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,082/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,550
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,154
−HK$614/mo
Today · 4.125%
HK$23,768
baseline
▲ 0.50% · 4.625%
HK$25,021
+HK$1,253/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$222,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,648
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,383
−HK$748/mo
Today · 4.125%
HK$25,131
baseline
▲ 0.50% · 4.625%
HK$26,660
+HK$1,529/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,262/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,308
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,014
−HK$715/mo
Today · 4.125%
HK$27,729
baseline
▲ 0.50% · 4.625%
HK$29,191
+HK$1,462/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$222,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,404
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,350
−HK$961/mo
Today · 4.125%
HK$32,311
baseline
▲ 0.50% · 4.625%
HK$34,277
+HK$1,966/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,622/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,825
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,732
−HK$920/mo
Today · 4.125%
HK$35,652
baseline
▲ 0.50% · 4.625%
HK$37,531
+HK$1,879/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,304/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,230 · 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).